Pre-Retirees & Retirees

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Setting Your Retirement Date: Are You Too Late or Too Early?

January 11, 2022

How much thought have you put into your retirement date? If you said “not that much,” then you are in good company. Most people simply assume they’ll retire whenever they become eligible for Social Security benefits. However, it doesn’t have to be that way. There’s a lot more that goes into retirement planning than just your age. According to a study conducted by Columbia Business School’s Center for Decision Sciences, the act of thinking about

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Do Not Fear the Bubble

November 16, 2021

Does the massive run-up in stocks have you concerned? It’s OK to nod your head. The fact is that many people are worried as we head into the 2021 holiday season. The MSCI ACWI index, which measures the global equity market, has almost doubled since March 2020 (Exhibit 1). This has some investors (and TV pundits) exclaiming that the stocks are officially in a bubble. Fear-mongers often look at trailing returns in isolation — then

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The Role of Pensions in Planning for a Retirement

April 30, 2021

Financial security in retirement is an important target for most working-age adults. There are many ways to reach that goal. An employer-sponsored retirement plan often comes in the form of a defined contribution plan, where employees contribute pre-tax or Roth dollars from their paycheck to a retirement account and select the investment optionsto help grow the balance. Many employers offer to match a certain level of contributions to encourage participation in the plan (and to

A large red question mark sits atop a pile of U.S. hundred-dollar bills, signifying financial uncertainty or queries about retirement plan fees and money.

Retirement Plan Fees: I’m paying how much to who for what?

August 17, 2020

AARP conducted surveys in an effort to understand just how much 401(k) participants knew about the fees associated with their retirement plans. The results were alarming and showed a wide discrepancy between savers’ expectations and the reality of their 401(k) plan costs. Do 401(k) retirement plans charge fees? The first survey found that 71% of participants believed they didn’t pay any 401(k) fees at all. Another 6% said they didn’t know if they paid fees

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When Financial "Rules of Thumb" Become Costly

July 15, 2020

Frank and Fiona Eff are a bright couple who saved diligently for their retirement years throughout their adult lives. Each is 50 years old, their children have been raised and launched, and each loves their respective job at ABC Corporation. Frank and Fiona enjoy the challenges and connections of their work so much that they plan to stay at their careers another fifteen years before enjoying a retirement filled with family, travel, and giving back

Setting Your Retirement Date: Are You Too Late or Too Early?

Do Not Fear the Bubble

The Role of Pensions in Planning for a Retirement

Retirement Plan Fees: I’m paying how much to who for what?

When Financial "Rules of Thumb" Become Costly

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