Retirement Planning

Americans are increasingly healthy into their 70s, 80s, even 90s. Are you prepared for this fountain of youth in retirement? You may think so, but a risk index produced by the Center for Retirement Research at Boston College indicates that 51 percent of households are “at risk” of not having enough to maintain their living standards in retirement. The best time to start saving for retirement is today. We've developed a unique retirement planning process to address your needs and goals and prepare you for any future financial situation.

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Retirement Alert: The 4% Rule Is ‘No Longer Feasible’- Wall St. Journal²

The 4% rule has long been synonymous with retirement spending. The so-called rule of thumb states that retirees can safely withdraw 4% of their retirement savings during their first year of retirement and then adjust that amount for inflation each year for the next 30 years.

However, the Wall Street Journal has reported that the math is now changing as market forecasters predict lower returns, potentially changing how millions spend and save for their retirement years. Click below to learn about the options for retirees if they are planning to spend more than 3.3%.

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Time Magazine - Why It's Time to Retire Your 401(k)³

An entire profession, financial planning, is dedicated to telling people they can save enough
to pay for 30 years of leisure , and must, pay for their own retirement. A 401(k) is usually a central part of those plans. Even for people who don't have enough money to send their kids to college or buy a home, building their 401(k), they are told, is their first priority.

Americans have more saved specifically for retirement than ever before. But past years have shown the vulnerability of the popular retirement-savings accounts. But the data is telling us that even in the long run, consumers need better options. Click below to read more about a topic that Time Magazine dedicated a cover story to, which describes why 44% of all Americans are in danger of going broke in their postwork years.

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