by Joe Allaria CFP®, MBA | Aug 17, 2020 | Article, Portfolio Management, Retirement Planning
The 3 Biggest Surprises of Retirement Key Takeaways: Many retirees find they’re busier and more engaged at first, but a long-term plan matters because travel and hobbies can fade and leave a lifestyle void. Medicare at 65 often surprises people by being relatively...
by Joe Allaria CFP®, MBA | Jun 29, 2020 | Article, Portfolio Management, Retirement Planning
4 Sources of Income During Retirement Key Takeaways: Part-time work after you retire can meaningfully reduce how much you have to withdraw from your portfolio. Social Security can act like a retirement paycheck, but claiming at 62 permanently reduces your benefit, so...
by Joe Allaria CFP®, MBA | Jun 16, 2020 | Article, Retirement Planning, Risk Management
How to Navigate the 3 Financial Phases of Life Key Takeaways: Accumulation: automate saving and invest for long-term growth while covering the basics (cash cushion, debt, insurance). Preservation: as withdrawals get closer, shift near-term money into lower-volatility...
by Joe Allaria CFP®, MBA | Jun 9, 2020 | Article, Portfolio Management, Retirement Planning
Why You Need a Specialist Near Retirement Key Takeaways: Near retirement, the key shift is from saving to coordinating withdrawals, Medicare, and Social Security decisions. Medicare premiums can be income-based, so the timing of distributions can affect what you pay....
by Joe Allaria CFP®, MBA | May 26, 2020 | Article, Portfolio Management, Retirement Planning
How to Free Yourself from Financial Anxiety Key Takeaways: Feeling financial anxiety is normal, especially during uncertain times like the COVID-19 pandemic. Reduce the unknowns by taking a clear inventory of your assets, debts, income, and expenses so you know where...
by Joe Allaria CFP®, MBA | May 19, 2020 | Article, Portfolio Management, Retirement Planning
Is Cash King? Key Takeaway: In the article, cash is “king” mainly for near-term safety (a solid emergency fund or upcoming spending), but for long-term goals it can hurt returns if fear keeps you out of the market, so cash should match your time horizon and withdrawal...
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