#10: “I’m too busy” Stop procrastinating. How does the saying go? The best time to plant a tree is 30 years ago. The second best time is … TODAY. #9: “It’s too soon” It’s NEVER too soon. The sooner you …
Is America Prepared to Retire?
64% of Americans have no financial strategy at all That’s right – no plan whatsoever to build wealth or keep it. That finding comes from the 2009 National Consumer Survey on Personal Finance conducted by the Certified Financial Planner Board …
Bad Spending Habits That Can Be Corrected
Americans have a great deal of disposable income relative to many other nations, yet our free spending can take us further and further away from the potential for financial freedom. Some people fall into crippling spending habits and injure their …
5 Savings Secrets
What’s the problem? In general, when it comes to a lack of savings, it is often not a question of low income, but a matter of high spending. While it’s very true that often we’re put into situations where we …
Wise Decisions with Retirement in Mind
Some retirees succeed at realizing the life they want, others don’t Fate aside, it isn’t merely a matter of stock market performance or investment selection that makes the difference. There are certain dos and don’ts – some less apparent than …
2 Assumptions That Can Harm Your Retirement Plan
#1 Assuming retirement will last 10-15 years Historically, retirement has lasted about 10-15 years for most Americans. The key word here is “historically”. When Social Security was created in 1933, the average American could anticipate living to age 61. By …
Couples Retiring on the Same Page
What does a good retirement look like to you? Does it resemble the retirement that your spouse or partner has in mind? It is at least roughly similar? The Social Security Commission currently projects an average retirement of 19 years …
The 401(k) Amendment Period is Here
The clock is ticking Between now and April 30, 2016, 100% of 401(k) plans, profit sharing plans, and other tax-qualified plans that use an IRS-approved prototype plan document must be amended and restated.1 If this doesn’t occur by the above …
The Retirement Reality Check
Decades ago, there was a popular book entitled What They Don’t Teach You at Harvard Business School. Perhaps someday, another book will appear to discuss certain aspects of the retirement experience that go unrecognized – the “fine print”, if you …
Investing at an Early Age
You’ve probably been told at least a few times in your life that you should be putting money aside “for a rainy day”, but perhaps it hasn’t yet crossed your mind to begin planning, specifically, for your future retirement. If …
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