While age 65 has traditionally been a time at which many people retire, making this transition is a personal choice that depends on a variety of factors such as your health and finances.
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Given the complexity behind calculating your Social Security benefits, you may be wondering how to maximize what you’ll receive.
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Since the monthly benefits you’ll receive from Social Security vary from person to person based on factors such as age and earnings record, the best place to find an estimate is on the Social Security Administration website.
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Through our work with clients as CERTIFIED FINANCIAL PLANNER™ professionals in Roseville, CA, we often hear the question “How is a brokerage account different than a retirement account?”
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If you decide to retire before you turn 65, you may face a gap between having health insurance coverage through your employer and the time at which you are eligible for Medicare, which means it’s even more important to incorporate health care into your financial planning.
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Having an estate plan—regardless of your age or assets—is an important way to ensure your family members are taken care of according to your wishes.
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When working with a financial advisor, it’s crucial to know if that advisor is a fiduciary. Doing so can give you a better understanding of whether that professional might have conflicts of interest.
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If you have a 401(k) account through an employer and you leave your job or retire, you often have a choice to either keep your money in your old employer’s 401(k) plan or roll over the balance into another retirement account.
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Many people dream of traveling the world or at least vacationing more during retirement since they’ll have more free time. You can better achieve your travel goals by planning for them now.
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If you’re a small business owner or self-employed, you may not have a clear understanding of how you should save for retirement.
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There are many types of financial advisors, and the terms used to describe them can be confusing or sound interchangeable.
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Special needs does not mean only developmentally disabled. It could be a child who just does not do well with money or who spends every dollar that they get.
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Divorce happens. How do we deal with the financial well-being after a divorce? Really, the key is to re-examine everything.
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One of the considerations in developing a good portfolio is asset location.
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This is a financial planning question. It is mathematical, and you can figure it out. It depends on what age you are.
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The answer depends on what percentage of the monthly payout divided by the lump sum and how long your breakeven is.
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Having a good economy is great. It means that your investments are going up. It means you’re going to have more money to spend in retirement.
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When looking for the right professional to work with, there are a few considerations that are especially important.
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One of the key points in considering retiring early would be taking a look at a good, holistic financial plan—looking at “What are my resources? What are my expenses going to be?”
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