5 Critical Things to Include in Your Retirement Planning

There are many retirement calculators that will tell you how much you need to have in order to retire. But there are no calculators that can guarantee how much money you will need in retirement.  That is because the calculators used in typical financial planning are based on some interesting assumptions.  For example, The 70% …

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How Much Should You Have in Your 401k?

According to Fidelity Investments, in order for your 401K to sustain you in your retirement you will need to have 8x your annual income saved by the time you reach age 67.  To keep on track with your savings, you will need to have at least your annual income tucked away by age 35. By …

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How to AVOID Losing Your Money In Retirement

One of the biggest things that retired Americans are doing that costs them serious money is home improvements.[i]  Either by fixing up their existing home to sell or merely to finally have the home of their dreams, newly retired seniors are throwing away their money believing that these kind of home improvements will actually prove …

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The Bigger You Are, The Harder You Fall

You wouldn’t work very long without some form of compensation.  But you might be stunned how many people permit their money to work for nearly nothing. Jeff and Jim are twin brothers.  Jeff believes he can consistently earn 8% in his portfolio and decides he’s going to put $2,600 each year into his investment. Jim …

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Why Life Insurance is So Important for Married Women

My dad died on January 1, 2016. And Mom lost the income that came from his pension.  She also lost her Social Security but was able to continue receiving Dad’s. Even so, $1,100 and some odd change each month isn’t enough to live on.  And that is why as a married woman, you need to …

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Your Retirement Plan Is Getting Shoved Around again, but here is How You Can Prevent It

The Federal Reserve is at it again.  Raising interest rates, as if they have some crystal ball that tells them what only God could know, what is a fair and authentic interest rate. Here’s the crux of the matter.  The U.S. monetary system depends on deposits, loans, and interest to fuel it.  If the Fed …

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Your # 1 Threat to Building Sustainable Wealth

It’s no secret that your odds of becoming part of the wealthiest 1% in the world is reasonably achievable, as one in nine Americans accomplishes that every year.[i]   However, you have less than a 2% chance of remaining in that top 1% tier for more than 5 years and less than a 1% chance of …

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You could be losing over $70k while earning a 6% average ROR!

It’s not that you can’t earn a higher rate of return or that you can’t defer taxes and pay them later.  In fact, it’s not even about market risk or how much you make.  It’s all about the fact that YOU Deserve Better! You’ve been told you can earn a 6.47% rate of return on …

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Are You Sure You Should Pay Your House Off Early?

Recently, Dave Ramsey was busy bashing life insurance again. It must be pretty dull having to pick on the same subject all the time, without having any facts to back up your opinion.  Anyway, Dave mentioned that life insurance was too costly to maintain.  Ramsey also says there are better places to invest your money, …

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What Happened to Your Retirement

Millions of Americans are finding out the hard way that the money they were promised for their retirement is gone!  Which means it is NOT there for them. That’s right.  People don’t want to talk or hear about it, but according to the latest research out of Boston College, 1 out of 4 corporate pension …

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