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Avoid the Beneficiary Trap

If you have a life insurance policy or IRA, you were required to name a beneficiary (the person or persons who directly inherit the account when you die). Most other financial accounts don’t have a beneficiary, but wait – maybe they do. Bank accounts and CDs can be made payable ... Read More

Three Phases of Retirement Spending

There are fewer hot topics in retirement planning than how much you should expect to spend once you retire. On the one hand, you won’t be spending for work-related activities so maybe you will spend less. On the other hand, health care costs will likely rise until you are eligible ... Read More

How to Prepare for Retirement Without Freaking Out

People worry about retirement because it’s a great unknown. It’s like walking down a lighted hallway and turning into a dark room. You’ve never been there so it’s scary. That’s normal. Want to prepare for retirement without freaking out? You need a total retirement plan. Having a plan for anything ... Read More

Warning: Health Care Costs in Retirement Are a Trap

Here are some frightening statistics about the impact of health care costs in retirement and their relationship to Social Security benefits: The average 70-year old couple will spend $14,554 on out-of-pocket health care costs in 2017. This assumes no extreme illnesses. It will take approximately 40% of this couple’s Social ... Read More