Posts with the category ‘Retirement’


5 Questions to Ask Yourself 5 Years Before You Retire

By Elaine Floyd, CFP® Retirement planning takes on added urgency the closer you get to leaving your job. Imagine your future by looking at the major factors: housing, activities, lifestyle, life expectancy, and unexpected events. The first step in any retirement income plan is to envision your retirement and make some decisions about how you will live. This, in turn, will inform your budget and your retirement income plan. If the numbers don’t support the life you have in mind,… Read More


Strategies for Building a Laddered Retirement Portfolio

Prepared by: Financial Planning Association If the goal of saving for retirement is to provide financial security, then a key objective of retirement portfolio management should be generating a stable stream of income while preserving investment principal. Bond laddering is a strategy that may address both aspects of that key objective. What Is Laddering? A bond ladder is a portfolio of bonds with maturity dates that are evenly staggered so that a constant proportion of the bonds can be redeemed… Read More


This is the Number One Financial Regret of Older Americans

By: Caty Hill, Reporter Most Americans are filled with regrets — financial regrets. Fully three in four, in fact, admit they harbor financial regrets, according to a survey of more than 1,000 adults published Tuesday by Bankrate.com. Their biggest regret: not saving for retirement early enough (nearly one in five Americans put this in the No. 1 spot). What’s more, among those 65 and up, 27% said this was the biggest regret, compared with 17% of those aged 30 to… Read More


Longevity Risk and Retirement Income

Prepared by: Financial Planning Association Key Points • Live Long and Prosper • Protecting Your Retirement Paycheck • Developing a Diverse Income Strategy • Adding Annuities to the Mix • Accounting for Growth • Points to Remember How long might you live in retirement? Think carefully. Your answer could influence whether you have enough money for a comfortable retirement or just scrape by. According to pension mortality tables, at least one member of a 65-year-old couple has a 72% chance… Read More


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Martin Higgins is a registered representative and investment adviser representative of Mutual of Omaha Investor Services, Inc., a securities broker/dealer and registered investment adviser. Member FINRA / SIPC. There is no contractual relationship between Family Wealth Management and Mutual of Omaha Investor Services, Inc. Martin Higgins can only do business in states in which he is registered. The information presented on this web site is intended for educational purposes only, and is not intended to replace the advice of an attorney or qualified tax professional.

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