Retirement Planning

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What are Target-Date Investment Funds?

Target-Date Investment Funds During the past twenty years target-date funds have become more popular with investors. Target-date investment funds also known as life-cycle, retirement, or age-based funds were first introduced in the early 1990s. Mutual funds offered instant diversification by pooling money and investing in the major asset classes (stocks, bonds, alternative investments, cash). This gave […]
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A Simple Formula That Predicts How Happy You Will Be in Retirement

Most people believe financial independence and having a boatload of money in an account will lead to ultimate happiness. According to William Bernstein, a neurologist and co-founder of investment management firm Efficient Frontier Advisors, having a good idea of how you’ll spend those post-work years (not necessarily how much you have) is critical to how happy […]
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Financial Plan for financial independence

How Much Does It Take For True Financial Independence?

 Becoming a millionaire sounds like a great financial goal! However for wealthy investors, $1 million isn’t enough to be financially independent.  According to a UBS survey investors consider $5 million to be the new benchmark for financial success. They believe once you’re past $5 million, you have reached true financial independence and don’t have to worry about […]
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Top Regrets Expressed By Retirees

Retirement is always one of the top concerns for Americans. This is no surprise, given that preparing for retirement is not something you can do over again. Over the years, I have had to work out common regrets for some of my clients to help get them back on track. Here are the most common regrets of […]
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Top Investment Rules For Retirement

With people living longer and the future of Social Security uncertain, setting up a financial plan and investing in a retirement account is crucial for financial independence. Here are three top investment rules for retirement to follow when investing in an IRA, 401(k), 403(b) or any other qualified retirement account. Rule 1: Invest some of […]
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Six Best Ways To Pursue Financial Goals

The best financial goals and plans can be easily derailed by common mistakes that can act as roadblocks. Here are some of the top financial goals people have: Generating current income (59%) Providing health insurance coverage (55%) Managing/Reducing debt (53%) Building a Retirement fund (51%) Building an Emergency Fund (47%) Preparing for future medical needs […]
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Is The Roth IRA Right For You?

One of the best ways to save for retirement is through individual retirement accounts (IRA). There are two different types of IRAs, traditional and Roth. A Roth IRA has unique characteristics that can make it a very effective retirement-savings tool, but it isn’t for everyone. If you are deciding between a traditional and Roth IRA, […]
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Is a Roth IRA Right For You?

Is a Roth IRA Right For You?  If you are deciding between a Traditional or Roth IRA, check out this infographic. Both types of IRAs have their advantages and disadvantages. Regardless of which one you choose, it is more important to start contributing to an individual retirement account if you haven’t already. With company pensions […]
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America’s Retirement Crisis Part III

This article series covered America’s Retirement Crisis and how to deal with it. Please click for Part I and Part 2 of this article series! Here are some more strategies to help ensure that your assets last as long as you need them to. FIGHTING THE EFFECTS OF INFLATION Inflation is known as the silent thief since it […]
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