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Insights to Educate & Inform

What Withdrawal Strategy Should You Use In Retirement? Thumbnail

What Withdrawal Strategy Should You Use In Retirement?

Retirement planning is a complex topic. There are a number of different financial and behavioral risks that retirees must navigate throughout their golden years. One of the biggest and most impactful decisions a retiree will need to make usually comes at the beginning. That decision is determining what retirement distribution strategy will be implemented. Or more commonly, how will you safely withdraw money from your retirement next egg over the next 30 - 40 years?

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Is There Such A Thing As Working To Long? Thumbnail

Is There Such A Thing As Working To Long?

Many people work for financial reasons. But what happens when you get to the point of not needing income from a job anymore? For many, this is the dream scenario. This is when they get to finally hang it up and fully retire. Welcome to the golden years! But for others, this decision comes with a lot more angst. They feel the tradeoff of retirement isn't worth what they are leaving behind from their job. So they work longer than they financially have too. And if this is the case, should it be something that is concerning? Is working to long a bad thing?

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Investment Rate Of Return Is A Poor Metric To Use When Deciding To Hire A Financial Advisor Thumbnail

Investment Rate Of Return Is A Poor Metric To Use When Deciding To Hire A Financial Advisor

Investment rate of return is the easiest metric to use when determining success and failure of your financial life. It's also the easiest metric to use when correlating it with your future consumption. I made a lot of money this year in my investment account, which means I will be able to afford to spend more in retirement. This is dangerous thinking, especially when its your primary focus of deciding whether to hire a financial advisor or not. There is so many other details that become more important than investment rate of return when retiring that should be looked at along with a portfolio's rate of return.

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Budgets DON'T WORK. Why They Don't Work And What You Should Be Doing Instead Thumbnail

Budgets DON'T WORK. Why They Don't Work And What You Should Be Doing Instead

At some point in our society, the term budget turned out to be the magic cure for anyone with financial troubles. You don't have enough money? Well you need to budget better. You which you and your spouse could get on the same page when it comes to money? Great, start a budget. You have to control your spending in retirement? A budget is what you need!

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Taking Money Out Of Your 401(k) Before Retirement Thumbnail

Taking Money Out Of Your 401(k) Before Retirement

What happens when you reach a point in your life where you need the money in your 401(k) before age 59 1/2? It's widely considered prudent financial management to leave retirement money alone. But sometimes reality gets in the way. In this episode, Derek talks about the different avenues you can explore when trying to determine the best way to take an early withdraw from your 401(k).

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