Newsletter & Updates

News & Updates – December 2014

Posted on Dec 10, 2014

YOU may not RETIRE on your OWN TERMS When the discussion turns to retirement planning, two prominent factors, age and dollars, are typically front and center. Determining the age at which one would like to retire, and the amount of money that will be needed to make retirement feasible are reference points to determine projected annual rates of return, and the amounts that must be contributed in order make a plan work. In theory, this approach brings focus to your financial objectives, and moves you toward a profitable outcome. Going forward these targets may be adjusted, but at some point,...

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News & Updates – November 2013

Posted on Dec 4, 2014

Proportional Perspectives on Work and Retirement   For all the window-dressing the financial service industry can add to the process, it is possible to distill the essential issues in retirement planning to two, expressed as a ratio of working years to retirement years. This ratio does not produce an exact number for retirement, but it gives you a sense of the task at hand, and how long you have to complete it. This ratio can also be quite instructive, particularly when placed in a historical context, because the numbers used to create it reflect significant demographic and economic...

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