Archives by Tag 'retirement'

Marital Spats in Retirement

By Linda Leitz - Last updated: Tuesday, May 9, 2017

Marriage is a financial partnership. When people are married during their working years, they each generally have their own job – whether that job is in the paid workforce or working in the home. It’s common for one spouse to make most of the money. Often the other spouse is either a secondary earner or […]

New Retirement

By Linda Leitz - Last updated: Friday, February 17, 2017

The definition and expectations of a working life and retirement have shifted through the years. They continue to shift, both out of our changing desires and out of necessity. When the safety net of the Social Security system was introduced in the US, unreduced benefits were available at age 65, but life expectancy was only […]

Long Term Care

By Linda Leitz - Last updated: Tuesday, June 16, 2015

Life expectancy continues to go up in this country. There are two sides to the longevity the coin. While people are living longer, they aren’t always healthy in their final years. So living at home without help isn’t always a viable option. Ignoring your potential needs isn’t a good strategy, so think through what your […]

Early Retirement

By Linda Leitz - Last updated: Tuesday, December 16, 2014

Retirement has often been assumed to happen in our mid 60s. Early retirement is generally assumed to be anything before 65. Let’s examine assumptions about the timing of retirement as well as our definition of what retirement means. Old assumptions about retirement finance were that if you saved between 10% and 20% of what you […]

Retirement Cash Flow

By Linda Leitz - Last updated: Wednesday, June 18, 2014

Saving for retirement and spending your retirement funds are very different processes. Common wisdom says to have your investment allocation still provide growth, while becoming more conservative as you approach retirement. But asset allocation still doesn’t address how to actually have the money start paying your regular expenses when you reduce or stop your earned […]

To Roth or Not To Roth

By Linda Leitz - Last updated: Sunday, October 31, 2010

Congress lifted the income ceiling in 2010 for conversion of a traditional IRA to a Roth IRA. So lots of people are wondering if a conversion is a good idea.  The answer is – as it so often the case – that it depends. What’s the difference between the two types of IRAs?  Contributions to […]

Top Ten Reasons to Participate in Your Company Retirement Plan

By Linda Leitz - Last updated: Wednesday, April 29, 2009

Now that tax season is over, folks are taking a look at their bigger financial picture again.  With all deference to fabulous late night talk shows, here are ten reasons to consider putting some of your hard earned wages into an account with your employer’s retirement plan. 10. The company is required to provide a […]

Employer Contributions

By Linda Leitz - Last updated: Wednesday, January 28, 2009

Everyone needs to save for the day they hope not to work any more to make ends meet.  If you are comfortable with your job security and have good savings you could get to in a pinch, investing through your company’s retirement plan is worth considering.  Staying on a consistent investment plan through a down […]

Funding Pensions

By Linda Leitz - Last updated: Monday, January 21, 2008

As you’re saving, you’ll also want to put money into retirement accounts.  Even if you don’t have all your liquid reserves filled up, it’s good to start socking money into retirement accounts as soon as you get your first “real” job.  The earlier you start saving for retirement, the more the money can grow over […]