By Frank Netti
Hands-on funding thoughts for dealing with the hot monetary realities of retirement
". . . each achievable side of retirement making plans and the adviser-client dating is handled in a way that's methodical but entertaining."--William J. Bernstein, M.D., Ph.D., valuable, effective Frontier Advisors, and writer of The clever Asset Allocator
Today's burgeoning type of retirees is studying that monetary needs--not to say funding guidelines--change considerably after retirement. Retire faster, Retire Richer addresses the very actual matters of not just making plans for retirement but in addition the place to speculate resources either ahead of and through retirement. Frank L. Netti is helping to reply to very important issues on those issues, including:
- Is a monetary planner valuable? .
- How am i able to layout a good, own 401-k? .
- How am i able to be sure that my discount rates will final my lifetime? .
- What varieties of coverage strategies do i've got? .
Using the 4 keys to monetary preparedness, Retire quicker, Retire Richer shows readers how one can utilize their investments for the lengthy term.
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Extra info for Retire Sooner, Retire Richer : How to Build and Manage Wealth to Last a Lifetime
In that case, he would have to find his own insurance. If he has serious preexisting health conditions, that could be a challenge. Downsizing in government and the merging and rightsizing of corporations are hitting the fifty- to sixty-year-olds harder than ever. The corporate motto, “Let’s add shareholder value by increasing profits and cutting costs,” has found the corporate whipping boy—the older workers, who are more expensive to carry than younger ones. Forget seniority! Besides, those younger workers have new skills, so we hear.
When transitioning to retirement, you may save money by letting the coverage lapse, unless you feel you are going to work at another career; if so, then see whether the coverage can be moved from a group to an individual. Some can and some cannot. When you are no longer employed, Social Security tax will disappear and contributions to your 401(k) or TSA will disappear, too. The extra money saved from no longer buying lunch or paying to travel to and from work can be diverted toward extra insurance.
A catastrophic illness of one family member is one way we can wind up spending all of our retirement assets, and life insurance can replace those assets. Trying to explain to retirees that they need to start thinking seriously about adding life insurance—and along with it, another fixed expense, the premium—is not easy. Although we think of our retirement income as being enough for the both of us, we can forget what happens if we die before our spouse. For example, suppose both spouses are receiving Social Security income.