“Health insurance in retirement continues to be one of the primary questions and concerns we hear about in retirement planning, especially when retiring before 65 and Cobra becomes available. We have worked hard to understand the system and are ready with creative solutions to help you find coverage or acquire a needed revenue stream until…(Read More)
Saving for retirement can be done in a variety of ways. Some people have a 401k or pension setup with an employer, but the most popular way for an individual to save for retirement is with an “IRA”. Today we want to take a high-level look at an IRA and answer a few common…(Read More)
The railroad industry has a long and storied history in America. It is responsible for spreading the industrial revolution across the country and making it possible for transports to go from the Atlantic to the Pacific. It is no wonder such an important industry has its own specific retirement plan with unique features. Let’s…(Read More)
The concept of Medicare can be murky for soon-to-be retirees. If you learn basic enrollment guidelines and some of the nuances of various Medicare plans, you’ll be empowered with the knowledge you need to make better decisions—and avoid costly penalties. Here, we explore key points and address common questions about this…(Read More)
Losing a loved one is arguably one of the most difficult experiences in life. In addition to coping with the grief and loss of a loved one, there are also a variety of challenging tasks and important financial decisions to be completed, some of which include: Making final arrangements. Reviewing funeral costs and funding options…(Read More)
Retirees tend to be more confident about having a financially secure retirement than current workers, according to the Employee Benefit Research Institute. Retirement confidence is highest among workers who say they or their spouse have a retirement plan, such as a work-sponsored plan or an individual retirement account (IRA), reports the Employee Benefit Research…(Read More)
Investors who follow the financial media probably have noticed a familiar trend over the years. The financial media is notorious for focusing on the most volatile of investments including stock indexes like the S&P500 and commodities such as Gold. Regardless of what different investments return in a year viewers and more specifically individuals…(Read More)
You may have heard that choosing the right social security claiming strategy can help you and your spouse maximize your benefits. But which strategy is best? What’s the appropriate age to claim? What about spousal benefits? If you’re wondering which path to take, these social security basics may help you get started. When…(Read More)
With all the options available to you, the Medicare enrollment process can seem overwhelming, especially if you leave important decisions to the last minute. To help ensure that you make the best Medicare choices, here are some steps to take before you turn 65. Mark your calendar If you won’t be enrolled in Medicare…(Read More)
Many people dream of retiring early, but few are able to make that dream a reality thanks, in part, to costs associated with health insurance coverage. Medicare benefits kick in at age 65, but one must fill the gap in between. And if there is a younger spouse or dependent in the equation, they likely…(Read More)
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