Women face unique challenges to retirement: longer lifespans, non-working years as caretakers, lower incomes, limited financial literacy, and more focus on family than self. But by taking certain steps, they can offset many obstacles and begin the road to financial security for their golden years.
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Know the difference between defined benefit and defined contribution plans to be better prepared for retirement.
read more »After careful planning and saving, avoid making common retirement mistakes that could hurt your financial security. Resist the temptation to react quickly to market dips, don’t miss Medicare enlistment deadlines, and consider delaying social security benefits to increase your lifetime payments.
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Maximize your time with your financial planner by coming to your initial meeting prepared. Bring the necessary documents, information about your employer benefits, your personal risk tolerance, and your goals and wishes.
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Are you a conservative investor or more daring? Will you have enough time to recover from market downturns? Determine your personal risk tolerance to create a financial plan that reflects your comfort level.
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Protect yourself from financial distress during an emergency by creating an emergency fund. It will alleviate additional and unnecessary stress during an already difficult time.
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Retiring at the same time as your spouse may sound ideal. But it may not always be financially wise to do so. Learn the pros and cons of joint retirement before making this important life change.
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Considering downsizing in retirement? Know the legal, financial and tax ramifications to protect your portfolio and ensure a smooth transition.
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IRAs are great retirement savings tools, but many misconceptions exist. Learn about the different types of IRA accounts and how to maximize your benefits.
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Senior care is expensive. Prepare now for your later years by learning about long term care insurance to protect you and your family from financial distress.
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