freedomretirem

de-risking

De-Risking

“De-Risking.” This is a phrase you may hear more frequently as the market dips lower and lower.  It is a term often used when discussing how those who are near retirement can prepare when they know their future years of employment and wages are coming to an end, and their savings have dwindled dramatically due …

De-Risking Read More »

Review the basics

Refresher

We try to educate our clients on annuities. Sometimes, it’s a good idea to review the basics. Click here to visit our annuities page. We’ve outlined information such as the different types of annuities, the nature of the underlying investment, the primary purpose of an annuity, the nature of the payout commitment, the tax status …

Refresher Read More »

Pension

Adjustments

While inflation has certainly been in the news a lot lately, one topic that hasn’t been discussed all that often is private pensions. Unlike Social Security payments, they typically don’t offer cost-of-living adjustments that keep up with inflation rates. State and local government pensions do typically offer cost of living increases, but this sometimes causes …

Adjustments Read More »

Food for Thought

Food for Thought

There was a great article in the Wall Street Journal this past week that discussed some interesting ideas. The current tight labor market, coupled with the remote and flexible opportunities in the job market, may make retirees think about going back to work in one form or another. Especially when you consider that working may …

Food for Thought Read More »

Change

Some Things Have Changed

“On the surface, retirement planning hasn’t changed all that much over the years. You work, you save and then you retire. But while the mechanics may be the same, today’s savers are facing some challenges that previous generations didn’t have to worry about,” says a recent CNBC article. We’ve touched on some of those challenges …

Some Things Have Changed Read More »

saver

What Every Saver Needs To Know

This week’s article focuses on the fact that while “everyone’s retirement is different, 2022 is going to have some big differences from 2021 that will affect almost every retiree and retirement saver to some degree.” The article explains the specifics of what those differences are, including: Higher social security payouts Higher standard deductions for your …

What Every Saver Needs To Know Read More »

Scroll to Top