Retirement Planning

At its most basic, an annuity is a contract where you give an insurance company a sum of money and they promise to pay you an income stream for a specific period of time, often your entire life…
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Today, I wanted to share an interview I had with a millionaire who has just retired. I wanted us to see how she thinks, how she lives, what she does. I hope it gives you some perspective about your life, your retirement savings and your relationship to money. Read More

If you are in your 50s and 60s and haven’t saved enough for retirement, there are 3 short words that will kill all of your future dreams… “It’s too late.” In reality, there is plenty that we can do in the years leading up to retirement to give our 401K a boost. We just need to know where to start! Read More

One of the most awkward topics of conversation in a relationship is money. It’s daunting, but once you learn how to talk about money, you’ll find different parts of your post-retirement life opening up…
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While death and taxes are the two certainties in life, no one ever expects their child to die before themselves. Yet life comes in different flavors. Here is a great example I always consider…

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Read any retirement planning book these days and one piece of advice will stand out – start saving early! Well, this is all well and good, but, the truth is that many of us are already in the final years before retirement…
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When we think about retirement planning mistakes, most of us think of things like “not starting to save young enough,” “taking on too much debt,” “not buying a house,” or “not saving 10%.” What these mistakes have in common is that they are all things that we do (or don’t do!) in our 20s, 30s and 40s. Read More

When we are in our 20s and 30s, most of us take a pretty random approach to managing our money (or not managing it as the case may be.) But, the older we get, the more we realize that we need unbiased, professional financial advice to prepare for retirement…
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One of the most important numbers that we need to consider as we build our retirement plans is our life expectancy. After all, our expectations regarding how long we are going to live influence everything…
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If you listen to the media, getting ready for life after retirement is all about how much money you can stash away. So, like squirrels, we run around, burying nuts all over the garden, hoping that they will last us through the winter. Then, when we reach retirement (or semi-retirement), we realize that money isn’t everything. Read More