Broker Check
February 2020

NOVEMBER

If you keep working or return to work after receiving Social Security benefits, your benefits may seem reduced, perhaps if your annual income exceeds a certain threshold. 

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February 2020

NOVEMBER

If you want to slow mental and physical aging, working out might be the key - and even just walking may benefit you.

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February 2020

GOLF TIP

Too many golfers suffer from "the yips": missing putts of 3' or less due to anxiety or a slipshod putting technique.

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February 2020

SEPTEMBER

Perhaps you could do so in a simpler financial world – but as retirement comes with financial complexities, a purely formulaic approach may fall short.

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February 2020

SEPTEMBER

In recent decades, medical journals and news outlets have devoted more attention to the diseases linked to sustained inflammation. 

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February 2020

TRAVEL TIP

A portable luggage scale could save you money (and pay for itself)

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February 2020

JULY

In a perfect world, most would consider waiting until their full retirement age to file for Social Security.

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February 2020

JULY

Travel is certainly a highlight of retirement. To keep those travel highlights coming, you need to keep healthy, including taking care of yourself "on the road" and at your destination.

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February 2020

JULY - RECIPE

Easy, Elegant Tomato Tart avec Brie



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February 2020

JUNE

If you have the chance to open a Health Savings Account (HSA), you might want to take a look. 

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February 2020

JUNE

Retiring before 60 can be fantastic if your financial situation looks good and you know what you want to do next

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February 2020

JUNE - GOLF TIP

Sometimes the golf you play in your mind's eye fails to correspond to reality. 



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February 2020

MAY

Some of the "conventional financial wisdom" circulating about retirement may need a second look because those assumptions may not prove true for everyone

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February 2020

MAY

Eldercare takes different forms: nursing home care, assisted living, adult daycare, and even some forms of healthcare administered at home.

 

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February 2020

MAY - TRAVEL TIP


Share those photos from your trip, but wait until you get home



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February 2020

APRIL

Spring cleaning: you tidy up, organize, and put things in order. You can take a "spring cleaning" approach to your retirement, just as you can with your home or garage. It may be helpful, especially if retirement seems near.

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February 2020

APRIL

Road Scholar (previously known as Elderhostel) says 66% of grandparents report having vacationed with grandchildren. If you have such a trip coming, think about involving the grandkids. What do your grandkids want to see?

 

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February 2020

APRIL RECIPE


Superb Spring Vegan Blackberry Cobbler

Source: The Simple Veganista, March 13, 20222


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February 2020

MARCH

Have you ever thought about giving financial gifts to your kids or grandkids? Many affluent retirees and pre-retirees do this, often with an eye toward furthering family wealth.

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February 2020

MARCH

Yes, you can work out consistently without a gym membership or $200 shoes or fancy machines. Creating a home workout area, and routine, is often easier than many people think.

 

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February 2020

MARCH - GOLF TIP

Are you forty, fifty, eighty feet away from the cup? Whether you want to lag or hole that long putt, the skill lies in your eyes and follow-through


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February 2020

FEBRuaRY

Our attitudes about investing, saving, spending and financial matters are shaped by a variety of influences, both early and later in life.

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February 2020

FEBRUARY

Set the pandemic aside for a moment. If keeping healthy ranks as your top priority, where should you retire or live? You have many choices, of course. 

 

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February 2020

FEBRUARY - RECIPE

Easy, Healthy Banana Pancakes for 4


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February 2020

JANUARY

Did you ever wonder what might result from such a small boost to your retirement saving effort, even in midlife? 

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February 2020

JANAUARY

America has seen an uptick in the number of seniors leaving full-time jobs. Pew Research Center data shows that 50.3% of adults older than age 55 were retired in the third quarter of 2021, a 2.2% increase from 2019. 

 

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February 2020

JANUARY-TRAVEL TIP

The airlines have had a change of heart about change fees

Here in the pandemic, airlines have eased up on their old habit of charging travelers $200 or more to reschedule or cancel a flight.

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February 2020

DECEMBER

If your anticipated retirement date seems about five years away, think about some of the proactive steps you could take before that date arrives

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February 2020

DECEMBER

In theory, many acute illnesses could be treated by medical professionals making house calls. With a little push from the pandemic, doctors, nurses, and home health care providers out west and in the east are putting theory into practice.  

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February 2020

DECEMBER

Golf Tips

When you tee up on a par 4 or par 5, pick a target

Most golfers tee up on par 4s and par 5s with the simple idea of hitting it down the fairway.


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February 2020

NOVEMBER

When the Setting Every Community Up for Retirement Enhancement (SECURE) Act became law on January 1, 2020, it altered rules for retirement accounts with a goal of helping both retirees and pre-retirees.

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February 2020

November

Does paying with cash seem passe to you? How about swiping or inserting a credit or debit card? PYMNTS, which analyzes U.S. commerce trends, reports that contactless point-of-sale transactions have doubled since 2020.

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February 2020

RECIPE

The Better Butternut Squash Soup (with Mild Green Chiles)


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February 2020

OCTOBER

Are you getting more unwanted text messages on your phone than you used to get? That is partly the result of a good thing – robocalls have declined. Robotexts, however, have increased.

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February 2020

OCTOBER

According to a 2021 Jackson Physician Search survey, 21% of U.S. doctors are considering retirement and another 15% are thinking about getting out of health care and taking their skills or education to a different industry

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February 2020

OCTOBER - TRAVEL TIP

Bring basics on board, not the whole closet

Traveling for a week, or less? There’s no need to lug along a closet full of clothes and shoes. 


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February 2020

SEPTEMBER

Since 2002, Americans aged 50 and older have been permitted to make annual "catch-up" contributions to popular retirement accounts – but according to Vanguard’s 2021 How America Saves report, just 15% of retirement savers do. 

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February 2020

SEPTEMBER

For generations, teens in Europe have opted for a year off to adventure and see the world before starting their university educations – an interim commonly referred to as a "gap year". It turns out some American seniors are also taking a "gap year" between full-time work and retirement, but instead of avoiding campus, they are using the transition to take advantage of expanded adult education at our own colleges.  

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February 2020

SEPTEMBER

GOLF TIP

Think twice about playing from the toughest tees

Many golf courses now give you the option to play from four, five, or even six sets of tees, and the difference between the front tees and the back tees on a regulation course can be as much as 2,000 yards. Some golfers insist on playing from the back tees, which are usually intended for tournaments

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February 2020

August

We can reasonably say that the more money you retire with, the more potential you have to enjoy retirement. Now, what about friendship? If you maintain some strong friendships and an active social circle after age 60, can that make a big difference in the quality of your "second act"?

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February 2020

August

Many retirees think about volunteering and some follow through on that thought, although according to an AgeWave survey published in June, the retirees who do volunteer spend fewer hours helping their communities or favorite causes than they would like. What if they devoted just two or three hours more per week to it? Would the effect be sizable, even profound? Maybe.  

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February 2020

August

Travel TIP

Need to show your ID? You may have a new option: a digital driver's license

Arizona, Colorado, Delaware, Florida, Idaho, Iowa, Louisiana, Maryland, Michigan, Oklahoma, Texas, and Wyoming now offer digital driver's licenses valid for all transactions or situations requiring ID.

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February 2020

July

Data from a newly released Harris Poll of more than 1,000 U.S. workers suggests that a majority of pre-retirees might answer "yes" to that question. Sixty-six percent of respondents to the poll identified their financial health as a component of their overall well-being. In fact, financial health ranked up near physical health (74%) and mental health (70%). Fifty-seven percent of those polled saw a relationship between all three factors, holding the opinion that their money, their lifestyle, and their health were integrated holistically, with each factor impacting another.    

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February 2020

July

For jobseekers older than 50, the hunt for satisfying work can be tough - but with such strong demand for skilled workers this year, your own search might lead you to a job you love. In a new book titled The Job Closer (recently the subject of a Next Avenue article), Duke University business professor and career coach Steve Dalton helps older (and younger) jobseekers out with some tips for 2021.  

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February 2020

July

Golf TIP

Fixing a bad hook

Why do golfers hit bad hooks? It may have nothing to do with their shoulders or arms. Rather, the right hand could be the culprit: it rolls over the left hand through the impact area. (The inverse applies for lefties.) Some golfers have a goal of staying "behind the ball" until the moment of impact and then crushing that tee shot (or fairway shot) with a powerful delayed release.

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February 2020

June

When the Setting Every Community Up for Retirement Enhancement (SECURE) Act became law in 2019, it altered retirement plan contribution and distribution rules. There may be an encore. The Securing a Strong Retirement Act of 2021, nicknamed SECURE Act 2.0, has bipartisan support on Capitol Hill, and public policy analysts widely believe it will become law either this year or next.

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February 2020

June

Digital health certificates – also called COVID vaccine passports – might be available for travelers this year, especially those travelers leaving the country. While U.S. retailers and resorts have been resistant to them, the situation may change this summer as Americans travel internationally and head to foreign airports to come home.

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February 2020

June

HEALTH TIP

Try herbal teas to help clean the body of harmful microorganisms

Herbal teas (such as rooibos, chamomile, and mint) contain catechins, plant-derived chemicals that have been noted for their strong antimicrobial properties.

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February 2020

May

A new study from Hearts and Wallets, a research firm founded in 2010 to study American retirement saving and investing trends, hints that the dream of retiring in late middle age is alive and well, although perhaps in need of a reality check.

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February 2020

May

Many adults in their 40s, 50s, and 60s have migrated from their initial career to a second or even a third, learning new skill sets or even going back to college for another degree. You learn all your life, the thinking goes.

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February 2020

May

TRAVEL TIP - Airports and resort hotels have become good places to get COVID-19 tests

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February 2020

April

In March, the Internal Revenue Service announced that it was pushing the deadline for 2020 federal tax returns ahead to Monday, May 17. This extended due date does not apply to all individual taxpayers, though. For example, if you live in Texas, Oklahoma, or Louisiana, you could have the opportunity to file as late as June.

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February 2020

April

Today, it can be hard to focus. How can you stay focused with all the distractions, anxiety, and uncertainty brought by the pandemic? Interestingly, the way to maintain your focus might be to unfocus your mind now and then.

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February 2020

April

Recipe

25-Minute Strip Steak with Mushroom Sauce

Serves 4

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February 2020

March

Imagine if your 35-year-old self magically appeared in front of you one day and asked for a percentage of your retirement savings or a bit of your retirement income. While this would never happen, something financially analogous happens in the lives of too many people.

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February 2020

March

The hospitality sector certainly hopes travel comes back with a vengeance, but travelers look like they will avenge the boredom of 2020 with more than a little caution and care. This winter, global marketing firm Simon-Kucher & Partners (SKP) surveyed more than 3,900 Americans and Europeans to gauge their travel readiness

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February 2020

March

Golf Tip -

You ultimately play against the course, not the rest of your foursome

This is good to remember whether you find yourself in a tournament, or just paired up with friends on the weekend. Your real opponent is the course, and focusing on what you need to do on each hole helps you avoid getting too excited or too demoralized by what your playing partners are doing. 

Source: PrecisionProGolf.com, February 16, 20212


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February 2020

February

The pandemic has hastened the retirement of some baby boomers, and the linked furloughs and layoffs in many industries have led others to wonder if a retirement transition might come sooner than they think. Buyouts became common last year as businesses cut costs. What if you receive one this year? 

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February 2020

February

Time is a gift, and when you retire, you'll no doubt think about making the most of it. Would it be weird to make a weekly schedule for yourself in retirement, similar to the way you scheduled workweeks during your career? Scheduling your time has its merits, at any age. It could help you stay productive on a day-to-day basis during your "second act," whether you elect to work or not.

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February 2020

February

TRAVEL TIP - During the pandemic, some families have booked short-term getaways at vacation homes or rural properties only to have to cancel them due to travel restrictions or changing public health protocols. Whether you must cancel such a reservation due to the pandemic or other reasons, you may have a better chance of getting a partial refund from the host than from the rental agency or website, whose cancellation policies may be far less forgiving. 


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February 2020

June

A 2019 whitepaper by the Employee Benefit Research Institute (EBRI) indicates that Americans tend to spend less as they age.

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February 2020

June

A Harris Poll, conducted in May, of 2,030 U.S. adults found some interesting choices regarding where Americans would like to live at the moment, particularly seniors. The research firm discovered that the appeal of rural areas, or at least, exurban or suburban areas, may be growing as a result of the COVID-19 pandemic.

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February 2020

June

Travel Tip:    Consider COVID-19 risk on a summer road trip
The Centers for Disease Control and Prevention is no longer advising Americans to refrain from “nonessential” domestic travel, as it did earlier in the COVID-19 pandemic.


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February 2020

May

Some people approach their retirement years owning illiquid assets worth more than their liquid ones. While long-held illiquid assets, such as a business or home, may become highly valued or appreciated over time, it can be wise to be frank and conservative when estimating their worth, especially if an owner wants to sell them to help fund their “second act.”

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February 2020

May

As most of the nation contended with stay-at-home orders this spring, polling firm YouGov decided to survey 1,175 American adults to see what activities they might want to do once businesses fully reopen and social-distancing mandates end.

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February 2020

May

Golf Tip    Why not leave the flagstick in? As courses have opened back up across the country, many are urging golfers to leave the flagstick in the hole when they reach the green.


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February 2020

April

Staying productive in the time of COVID-19 can be a challenge. Rather than pulling out the board games, you might want to use the opportunity to stress-test your plans for early retirement.

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February 2020

April

Bills going through Congress and signed into law at the White House might alter your retirement in some significant ways, particularly as many of the changes relate to taking money from various retirement accounts.

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February 2020

April

Health Tip

Don’t have the time for a single 30-minute workout?


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February 2020

March

What is your most powerful tool for building retirement savings? Perhaps, your income. For that matter, the path of your career could influence when and how well your retirement begins. 

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February 2020

March

Data from the Cruise Lines International Association shows that one-third of the people who board cruise ships are aged 60 or older. Given enough retirement income and savings, could a couple of weeks at sea turn into a couple of months, years, or decades?

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February 2020

March

Receipe

Turkey Burger Deluxe (Serves 4) 


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February 2020

February

Retirement saving is not just about accumulating assets. It is also about laying the groundwork for retirement spending. 

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February 2020

February

A quick look at some federal government statistics provides a quick answer: no. Perhaps it seems like big cities are filled with baby boomers because of the simple fact that this demographic group is larger than others.

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February 2020

February

Airlines use dynamic pricing to adjust airfares relative to demand, and they can actually do this per consumer.

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How the Secure Act Impacts Retirement Accounts?

January

A new federal law, the Setting Up Every Community for Retirement Enhancement (SECURE) Act, directly affects retirees and retirement savers. It changes the rules regarding “stretching” an Individual Retirement Account (IRA) as well as longstanding retirement account rules keyed to age 70½.

Under the SECURE ACT, in most circumstances, once you reach age 72, you must begin taking required minimum distributions (RMDs) from traditional Individual Retirement Accounts (IRAs) and most other employer-sponsored retirement plans. (This new RMD rule applies only to those who will turn 70½ in 2020 or later.)

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Planning A Great Road Trip

January

Sometimes, a cold snap keeps us indoors and leads us to dream of spring and summer travels. Alternately, winter wonders may inspire us to drive. How do you arrange a road trip (a long weekend or a week) that recharges you instead of rushing you?


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January Golf Tip

Golf TIP

You may need more club in the cold

If you’re playing a round in temperatures below 60˚ F, keep in mind that the ball will not travel as far. Research from Trackman, the maker of indoor golf simulators, concludes that you lose a yard of carry for each 10˚ F change in temperature. So, an iron shot that would travel 170 yards on an 85˚ F day will travel four yards less on a 45˚ F day.

Source: Golf Digest3

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Ready for More Time Together?

December

A career-focused couple may spend as little as 5 to 6 hours interacting with each other on most days, given hours spent working, commuting, shopping, and running errands apart. Once retired, that same couple may spend as many as 15 to 16 hours together each day, with work and commuting out of the way. When you hear stories of retired spouses or partners getting on each other’s nerves, this difference may have something to do with it.

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Retiring Debt-Free Is Great … But Is It Realistic?

December

Ideally, we would all like to retire without a cent of debt. In reality, few of us probably will. Large loan balances may remain with many of us into our “second acts.”

The TransAmerica Center for Retirement Studies says that 40% of retirees rank cutting debt as a financial priority – but not necessarily as their top priority.


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December Health Tip

Why good sleep matters in the winter

Getting 7 to 8 hours of solid sleep each night helps to refresh the immune system through the production of cytokines, proteins that the body needs to counter stress and infection threats. So, good sleep becomes especially important during the cold and flu season.

Source: Mayo Clinic2

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Generating Retirement Income

October

Each day, more than 10,000 Americans celebrate their 65th birthday. It’s a milestone, and for some, it signifies the beginning of retirement. Your friends, family, and coworkers may know you’re planning to retire. Some might even ask “When’s the big day?” If you have concerns about maintaining retirement income, you may not know whether you’re ready.1

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Renting In Retirement?

October

What are the things you expect out of retirement? When you think of the many aspirations that you hold for your post-work life, which are the most important to you? Does home ownership figure prominently in your strategy, or is it relatively unimportant to you?



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October Travel Tip

October

Avoiding crying babies on flights

Japan Airlines recently announced a booking tool that allows passengers to know where infants aged from 8 days to 2 years old are seated. The website will feature an icon that indicates where these young children are seated, for travelers who wish to avoid potential disruption.

Source: CNN



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How Retirement Saving Relates To Retirement Spending

July 24, 2019

Sometimes an article will present a generic retirement forecast, stating that the average person may need “X” dollars in savings to retire confidently. Stories like these appear every so often on financial websites, and they must be taken with a grain of salt. These articles imply that a pre-retiree household must amass a certain amount of savings or face a financially pressured future – but the forecasts they present may not apply to you.


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Steps Toward Smooth A Retirement Transition

July 24, 2019

Retirement is a life event that can be accompanied by others. As you conclude your career or your business, you may also see changes in your goals, finances, social circle, and address. Preparing for the transition, both financially and intellectually, is wise, lest the moment sneak up on you.



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July Recipe

July 24, 2019

Grilled Caprese Salad

Ingredients
½ baguette, sliced on the thick bias
1 clove garlic, halved
Olive oil, for drizzling
Salt and pepper, to taste
2 small zucchinis, sliced on the thick bias



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