This strategy allows the mass affluent to prolong
the life of their retirement savings by further diversifying their investment portfolio.
To learn more about how a reverse mortgage can help maximize and extend
the life of your retirement savings, contact a licensed loan advisor at 1 (800) 976-6211 or click here to request a no - obligation eligibility assessment.
This strategy allows you to prolong
the life of your retirement savings by further diversifying your investment portfolio with a reverse mortgage.
To learn more about how a reverse mortgage may help you extend
the life of your retirement savings, contact a licensed loan advisor at 1 (800) 976-6211 or click here to request a no obligation consultation to discuss your options.
Each portfolio offers an all - in - one solution that aims to maximize
the life of your retirement savings.
There are actually 3 key principles for extending
the life of retirement savings.
This strategy allows the mass affluent to prolong
the life of their retirement savings by further diversifying their investment portfolio.
Not exact matches
«Most people out here have bits
of trickle income in addition to their
retirement plan; it's not the conventional «I saved and
live off
of my
savings,»» she said.
With 22 percent
of boomers having less than $ 100,000
of retirement savings, many will opening their own business for financial security and a purposeful later stage
of life.
While most people have some
savings, 40 percent
of Americans are not prepared for major
life events like
retirement.
«Before
retirement, bringing your standard
of living down increases your
savings,» says Malcolm Hamilton, who recently retired from Mercer Human Resource Consulting.
Before you crack open your nest egg, Carol Vinelli, a business and transition coach, advises making sure you have enough
retirement savings to cover expected healthcare needs as well as two years» worth
of living expenses.
That comes as 32 %
of Americans told Fidelity earlier this year that their
retirement savings are not on track to match the
life they have planned in
retirement.
And with global interest rates so low, fixed income and cash alone are unlikely to enable your
savings to keep up with your cost
of living after
retirement.
There has been a public debate about whether Canadians will have sufficient income in
retirement given that generally people
live longer, that there are more people
of retirement age and that
savings rates are low debt levels high.
Term
life may also make sense if you continue to work during
retirement, even part - time, to supplement your
savings and wish to protect your spouse from the loss
of your income when you die, he said.
The median
retirement savings for people 56 to 61 is only $ 17,000, and fewer than half
of working - age households are on track to save enough to maintain their pre-
retirement standard
of living.
To help extend your
savings at
retirement over a longer time horizon, work with an advisor to assess both your investment allocation and your draw - down strategy in relation to the number
of years you expect to
live, he said.
More from Portfolio Perspective: Hidden 401 (k) fees can destroy
retirement dreams The
retirement -
savings rule is now on
life support Learn the ABCs
of ETFs before betting portfolio on them
But if working longer is out
of the question, you can ease your transition by building at least a year's worth
of living expenses in an emergency
retirement savings fund, ideally in cash, says Celandra Deane - Bess, a wealth strategy director for PNC Financial Services Group.
Key goals right now should include putting enough aside in your employer - sponsored
retirement plan to get any company match, and socking three to six months
of living expenses in a
savings account for emergencies.
Second, it would be very helpful to develop a longitudinal perspective on the use
of retirement savings vehicles, especially during the period
of mid - to late working
life;
For every year you worked you needed to fund one year
of current
living expenses and set aside enough funds (either through your contribution to Social Security or outright
retirement savings) to cover another three - fourths
of a year
of expenses in
retirement.
But if that's not enough to cover your most basic needs — food, clothing, utilities, medical expenses, and a place to
live — then consider using some
of your
retirement savings to buy an annuity.
If your excuse for neglecting your
retirement savings is that you don't really need that much money to be happy or you expect your cost
of living to drastically decrease, you could be setting yourself up for a big disappointment when you finally say goodbye to the paycheck.
If you're late to the
retirement savings game, or simply don't think you have enough money saved up to
live your American Dream comfortably after you stop working, it may be time to revisit some
of your beliefs about saving money and investing.
The assumptions behind the math are that your
savings generate a 7 % annual rate
of return, and you can withdraw 4 %
of your nest egg to
live in
retirement.
Prior to implementing a long - term post-divorce plan for
retirement accumulation, you should make it an initial priority to fortify your emergency fund
of at least three to six months
of non-discretionary
living expenses in cash (i.e.
savings and money market).
«In today's mobile world, smartphone users want to apply the latest technology to everything in their
lives, including their
retirement savings,» said Tina Wilson, Leader
of MassMutual's Investment Solutions Innovation.
Here are some goals for this period
of your
life: Aim to be free
of consumer and student debt; accumulate an emergency reserve fund
of six to 12 months
of living expenses; and try to increase your
retirement savings contribution up to 15 percent.
The vast majority haven't been spending their
retirement savings — leaving nest eggs mostly untouched and
living on ready sources
of income instead.
But the good news is that with improved
savings behavior, steady and consistent investing, and sound guidance on
retirement income, future retirees can take the steps necessary towards a comfortable standard
of living.
AARP:
Retirement Planning CFA Institute:
Retirement Security Choose to Save: Ballpark E$ timate ® Edelman Financial Services LLC:
Retirement & Estate Planning Financial Mentor ®:
Retirement Calculators How to Save Money for
Retirement (
retirement savings guide) IRS: Adding Automatic Enrollment to Section 401 (k) Plans — Sample Amendments IRS: Changes in Your
Life May Affect
Retirement Planning IRS: Help with Choosing a
Retirement Plan NEFE Financial Workshop Kits
Retirement Series Preparing for
Retirement from DOL Save it Like You Mean It: The (Non-Scary) Guide to
Retirement Planning Saving Matters from DOL U.S. Department
of Labor: Taking the Mystery Out
of Retirement Planning WISER: What Women Need to Know About
Retirement
As fewer companies offer pensions and Social Security makes up a smaller percentage
of the average retiree's income, individuals will have to rely more on their own
savings for
living in
retirement.
One group that has certainly been affected by lower for longer is savers, particularly seniors who planned to finance their
retirement with interest income generated by a
life of working hard to build
savings.
His name first came into the spotlight in 2011 with a research paper entitled «Safe
Savings Rate: A New Approach to Retirement Planning over the Life Cycle,» and much of his work is still centered on its main concept: That anyone who saves at their own «safe savings rate» will likely be able to achieve their retirement spending goals, regardless of their actual wealth accumulation and withdrawa
Savings Rate: A New Approach to
Retirement Planning over the
Life Cycle,» and much
of his work is still centered on its main concept: That anyone who saves at their own «safe
savings rate» will likely be able to achieve their retirement spending goals, regardless of their actual wealth accumulation and withdrawa
savings rate» will likely be able to achieve their
retirement spending goals, regardless
of their actual wealth accumulation and withdrawal rate.
An income annuity allows you to set up a stream
of income for
life * using a portion
of your
savings to create a
retirement «paycheck.»
Do a mid-year financial checkup: Take the time to do a review
of your tax planning,
retirement savings, home, health and
life insurance needs and do a mid-year check
of your spending and emergency fund levels.
It enhances
savings, because in this case I find my overall income is falling and therefore to preserve that income in order to meet my end
of life retirement goals — I actually save more rather than save less.
Some financial advisors suggest buying longevity insurance, a type
of deferred annuity that offers guaranteed income for
life, to help supplement
retirement savings later in
life.
So, even if you consider yourself an average Joe, you may benefit from solid advice on how to build
savings, to figure out how to pay for your kid's college, and to create a
retirement fund that will last until the end
of your (and your partner's)
life.
«As people
live longer, the risk
of outliving their
savings in
retirement is a big concern,» says Ann Dowd, a CFP ® professional and a vice president at Fidelity.
The EBRI survey, one
of the most comprehensive annual reports about American's
retirement savings, finds that over the last two years U.S. workers have grown more confident about their ability to have enough money to
live comfortably in
retirement.
One drawback to a longer
life is the greater possibility
of outliving your
savings — creating all the more reason to develop a
retirement income strategy designed to last a longer lifetime.
In fact, the percentage
of Boomers working with a financial advisor who are highly confident in having sufficient
savings to
live comfortably throughout their
retirement years is more than twice that
of Boomers who are planning for
retirement on their own, IRI data show.
Living your someday the way you want means having a road map now — including what percentage
of your income in
retirement needs to come from your
savings.
Vanguard's all in one mutual funds will walk you through the stages
of life from
retirement savings, post
retirement money management, college funds or every day needs for any goals.
-
retirement savings and income - Pre-59 1/2 72t Calculations (avoiding penalty tax)- college savings and 529 plan illustrations - college cost and tuition data - Coverdell education savings - risk profile questionnaires and quizes - model portfolio illustrations - asset allocation and portfolio optimization - portfolio management and value tracking - 401 (k) retirement savings - Cost of waiting to save - Effect of Taxes and Inflation - Estate Tax Estimator - Finding Money for your savings goals - Health Savings Account (HSA) illustrations - Historical Hypothetical Portfolio Performance - Impact of Inflation - Life Insurance Needs Analysis - IRA Eligibility (all types of IRAs)- IRA Savings and Goal Analysis - IRA Required Minimum Distributions (RMDs)- IRA to Roth Conversion - Long Term Care Insurance - Lumpsum Distributions vs. Rollover Distributions - Model Portfolio Creation and Comparisons - Mortgage Amortization - Net Unrealized Appreciation of Employer Stock - Net Worth Estimator - New Value Calculator - Pension / Defined Benefit Income estimates - Portfolio Allocation Rebalancing - Portfolio Optimization and «Advice» - Portfolio Return Calculations - Paycheck Tax Savings - Required Minimum Distribution calculations - Retirement Budget and Expense Planning - Retirement Income Analyzer - Retirement Savings Estimator - Risk Tolerance Profile - Roth 401k - Roth Conversion - Roth v. IRA illustrations - Short Term Savings goals - Social Security benefit estimates - Stretch IRA / Legacy IRA illustrations - Tax Free Yield calcu
savings and income - Pre-59 1/2 72t Calculations (avoiding penalty tax)- college
savings and 529 plan illustrations - college cost and tuition data - Coverdell education savings - risk profile questionnaires and quizes - model portfolio illustrations - asset allocation and portfolio optimization - portfolio management and value tracking - 401 (k) retirement savings - Cost of waiting to save - Effect of Taxes and Inflation - Estate Tax Estimator - Finding Money for your savings goals - Health Savings Account (HSA) illustrations - Historical Hypothetical Portfolio Performance - Impact of Inflation - Life Insurance Needs Analysis - IRA Eligibility (all types of IRAs)- IRA Savings and Goal Analysis - IRA Required Minimum Distributions (RMDs)- IRA to Roth Conversion - Long Term Care Insurance - Lumpsum Distributions vs. Rollover Distributions - Model Portfolio Creation and Comparisons - Mortgage Amortization - Net Unrealized Appreciation of Employer Stock - Net Worth Estimator - New Value Calculator - Pension / Defined Benefit Income estimates - Portfolio Allocation Rebalancing - Portfolio Optimization and «Advice» - Portfolio Return Calculations - Paycheck Tax Savings - Required Minimum Distribution calculations - Retirement Budget and Expense Planning - Retirement Income Analyzer - Retirement Savings Estimator - Risk Tolerance Profile - Roth 401k - Roth Conversion - Roth v. IRA illustrations - Short Term Savings goals - Social Security benefit estimates - Stretch IRA / Legacy IRA illustrations - Tax Free Yield calcu
savings and 529 plan illustrations - college cost and tuition data - Coverdell education
savings - risk profile questionnaires and quizes - model portfolio illustrations - asset allocation and portfolio optimization - portfolio management and value tracking - 401 (k) retirement savings - Cost of waiting to save - Effect of Taxes and Inflation - Estate Tax Estimator - Finding Money for your savings goals - Health Savings Account (HSA) illustrations - Historical Hypothetical Portfolio Performance - Impact of Inflation - Life Insurance Needs Analysis - IRA Eligibility (all types of IRAs)- IRA Savings and Goal Analysis - IRA Required Minimum Distributions (RMDs)- IRA to Roth Conversion - Long Term Care Insurance - Lumpsum Distributions vs. Rollover Distributions - Model Portfolio Creation and Comparisons - Mortgage Amortization - Net Unrealized Appreciation of Employer Stock - Net Worth Estimator - New Value Calculator - Pension / Defined Benefit Income estimates - Portfolio Allocation Rebalancing - Portfolio Optimization and «Advice» - Portfolio Return Calculations - Paycheck Tax Savings - Required Minimum Distribution calculations - Retirement Budget and Expense Planning - Retirement Income Analyzer - Retirement Savings Estimator - Risk Tolerance Profile - Roth 401k - Roth Conversion - Roth v. IRA illustrations - Short Term Savings goals - Social Security benefit estimates - Stretch IRA / Legacy IRA illustrations - Tax Free Yield calcu
savings - risk profile questionnaires and quizes - model portfolio illustrations - asset allocation and portfolio optimization - portfolio management and value tracking - 401 (k)
retirement savings - Cost of waiting to save - Effect of Taxes and Inflation - Estate Tax Estimator - Finding Money for your savings goals - Health Savings Account (HSA) illustrations - Historical Hypothetical Portfolio Performance - Impact of Inflation - Life Insurance Needs Analysis - IRA Eligibility (all types of IRAs)- IRA Savings and Goal Analysis - IRA Required Minimum Distributions (RMDs)- IRA to Roth Conversion - Long Term Care Insurance - Lumpsum Distributions vs. Rollover Distributions - Model Portfolio Creation and Comparisons - Mortgage Amortization - Net Unrealized Appreciation of Employer Stock - Net Worth Estimator - New Value Calculator - Pension / Defined Benefit Income estimates - Portfolio Allocation Rebalancing - Portfolio Optimization and «Advice» - Portfolio Return Calculations - Paycheck Tax Savings - Required Minimum Distribution calculations - Retirement Budget and Expense Planning - Retirement Income Analyzer - Retirement Savings Estimator - Risk Tolerance Profile - Roth 401k - Roth Conversion - Roth v. IRA illustrations - Short Term Savings goals - Social Security benefit estimates - Stretch IRA / Legacy IRA illustrations - Tax Free Yield calcu
savings - Cost
of waiting to save - Effect
of Taxes and Inflation - Estate Tax Estimator - Finding Money for your
savings goals - Health Savings Account (HSA) illustrations - Historical Hypothetical Portfolio Performance - Impact of Inflation - Life Insurance Needs Analysis - IRA Eligibility (all types of IRAs)- IRA Savings and Goal Analysis - IRA Required Minimum Distributions (RMDs)- IRA to Roth Conversion - Long Term Care Insurance - Lumpsum Distributions vs. Rollover Distributions - Model Portfolio Creation and Comparisons - Mortgage Amortization - Net Unrealized Appreciation of Employer Stock - Net Worth Estimator - New Value Calculator - Pension / Defined Benefit Income estimates - Portfolio Allocation Rebalancing - Portfolio Optimization and «Advice» - Portfolio Return Calculations - Paycheck Tax Savings - Required Minimum Distribution calculations - Retirement Budget and Expense Planning - Retirement Income Analyzer - Retirement Savings Estimator - Risk Tolerance Profile - Roth 401k - Roth Conversion - Roth v. IRA illustrations - Short Term Savings goals - Social Security benefit estimates - Stretch IRA / Legacy IRA illustrations - Tax Free Yield calcu
savings goals - Health
Savings Account (HSA) illustrations - Historical Hypothetical Portfolio Performance - Impact of Inflation - Life Insurance Needs Analysis - IRA Eligibility (all types of IRAs)- IRA Savings and Goal Analysis - IRA Required Minimum Distributions (RMDs)- IRA to Roth Conversion - Long Term Care Insurance - Lumpsum Distributions vs. Rollover Distributions - Model Portfolio Creation and Comparisons - Mortgage Amortization - Net Unrealized Appreciation of Employer Stock - Net Worth Estimator - New Value Calculator - Pension / Defined Benefit Income estimates - Portfolio Allocation Rebalancing - Portfolio Optimization and «Advice» - Portfolio Return Calculations - Paycheck Tax Savings - Required Minimum Distribution calculations - Retirement Budget and Expense Planning - Retirement Income Analyzer - Retirement Savings Estimator - Risk Tolerance Profile - Roth 401k - Roth Conversion - Roth v. IRA illustrations - Short Term Savings goals - Social Security benefit estimates - Stretch IRA / Legacy IRA illustrations - Tax Free Yield calcu
Savings Account (HSA) illustrations - Historical Hypothetical Portfolio Performance - Impact
of Inflation -
Life Insurance Needs Analysis - IRA Eligibility (all types
of IRAs)- IRA
Savings and Goal Analysis - IRA Required Minimum Distributions (RMDs)- IRA to Roth Conversion - Long Term Care Insurance - Lumpsum Distributions vs. Rollover Distributions - Model Portfolio Creation and Comparisons - Mortgage Amortization - Net Unrealized Appreciation of Employer Stock - Net Worth Estimator - New Value Calculator - Pension / Defined Benefit Income estimates - Portfolio Allocation Rebalancing - Portfolio Optimization and «Advice» - Portfolio Return Calculations - Paycheck Tax Savings - Required Minimum Distribution calculations - Retirement Budget and Expense Planning - Retirement Income Analyzer - Retirement Savings Estimator - Risk Tolerance Profile - Roth 401k - Roth Conversion - Roth v. IRA illustrations - Short Term Savings goals - Social Security benefit estimates - Stretch IRA / Legacy IRA illustrations - Tax Free Yield calcu
Savings and Goal Analysis - IRA Required Minimum Distributions (RMDs)- IRA to Roth Conversion - Long Term Care Insurance - Lumpsum Distributions vs. Rollover Distributions - Model Portfolio Creation and Comparisons - Mortgage Amortization - Net Unrealized Appreciation
of Employer Stock - Net Worth Estimator - New Value Calculator - Pension / Defined Benefit Income estimates - Portfolio Allocation Rebalancing - Portfolio Optimization and «Advice» - Portfolio Return Calculations - Paycheck Tax
Savings - Required Minimum Distribution calculations - Retirement Budget and Expense Planning - Retirement Income Analyzer - Retirement Savings Estimator - Risk Tolerance Profile - Roth 401k - Roth Conversion - Roth v. IRA illustrations - Short Term Savings goals - Social Security benefit estimates - Stretch IRA / Legacy IRA illustrations - Tax Free Yield calcu
Savings - Required Minimum Distribution calculations -
Retirement Budget and Expense Planning -
Retirement Income Analyzer -
Retirement Savings Estimator - Risk Tolerance Profile - Roth 401k - Roth Conversion - Roth v. IRA illustrations - Short Term Savings goals - Social Security benefit estimates - Stretch IRA / Legacy IRA illustrations - Tax Free Yield calcu
Savings Estimator - Risk Tolerance Profile - Roth 401k - Roth Conversion - Roth v. IRA illustrations - Short Term
Savings goals - Social Security benefit estimates - Stretch IRA / Legacy IRA illustrations - Tax Free Yield calcu
Savings goals - Social Security benefit estimates - Stretch IRA / Legacy IRA illustrations - Tax Free Yield calculations
-
retirement savings and income - Pre-59 1/2 72t Calculations (avoiding penalty tax)- college savings and 529 plan illustrations - college cost and tuition data - Coverdell education savings - risk profile questionnaires and quizes - model portfolio illustrations - asset allocation and portfolio optimization - portfolio management and value tracking - 401 (k) retirement savings - Cost of waiting to save - Effect of Taxes and Inflation - Estate Tax Estimator - Finding Money for your savings goals - Health Savings Account (HSA) illustrations - Historical Hypothetical Portfolio Performance - Impact of Inflation - Life Insurance Needs Analysis - IRA Eligibility (all types of IRAs)- IRA Savings and Goal Analysis - IRA Required Minimum Distributions (RMDs)- IRA to Roth Conversion - Long Term Care Insurance - Lumpsum Distributions vs. Rollover Distributions - Model Portfolio Creation and Comparisons - Mortgage Amortization - Net Unrealized Appreciation of Employer Stock - Net Worth Estimator - New Value Calculator - Pension / Defined Benefit Income estimates - Portfolio Allocation Rebalancing - Portfolio Optimization and «Advice» - Portfolio Return Calculations - Paycheck Tax Savings - Required Minimum Distribution calculations - Retirement Budget and Expense Planning - Retirement Income Analyzer - Retirement Savings Estimator - Risk Tolerance Profile - Roth Conversion - Roth v. IRA illustrations - Short Term Savings goals - Social Security benefit estimates - Stretch IRA / Legacy IRA illustrations - Tax Free Yield calcu
savings and income - Pre-59 1/2 72t Calculations (avoiding penalty tax)- college
savings and 529 plan illustrations - college cost and tuition data - Coverdell education savings - risk profile questionnaires and quizes - model portfolio illustrations - asset allocation and portfolio optimization - portfolio management and value tracking - 401 (k) retirement savings - Cost of waiting to save - Effect of Taxes and Inflation - Estate Tax Estimator - Finding Money for your savings goals - Health Savings Account (HSA) illustrations - Historical Hypothetical Portfolio Performance - Impact of Inflation - Life Insurance Needs Analysis - IRA Eligibility (all types of IRAs)- IRA Savings and Goal Analysis - IRA Required Minimum Distributions (RMDs)- IRA to Roth Conversion - Long Term Care Insurance - Lumpsum Distributions vs. Rollover Distributions - Model Portfolio Creation and Comparisons - Mortgage Amortization - Net Unrealized Appreciation of Employer Stock - Net Worth Estimator - New Value Calculator - Pension / Defined Benefit Income estimates - Portfolio Allocation Rebalancing - Portfolio Optimization and «Advice» - Portfolio Return Calculations - Paycheck Tax Savings - Required Minimum Distribution calculations - Retirement Budget and Expense Planning - Retirement Income Analyzer - Retirement Savings Estimator - Risk Tolerance Profile - Roth Conversion - Roth v. IRA illustrations - Short Term Savings goals - Social Security benefit estimates - Stretch IRA / Legacy IRA illustrations - Tax Free Yield calcu
savings and 529 plan illustrations - college cost and tuition data - Coverdell education
savings - risk profile questionnaires and quizes - model portfolio illustrations - asset allocation and portfolio optimization - portfolio management and value tracking - 401 (k) retirement savings - Cost of waiting to save - Effect of Taxes and Inflation - Estate Tax Estimator - Finding Money for your savings goals - Health Savings Account (HSA) illustrations - Historical Hypothetical Portfolio Performance - Impact of Inflation - Life Insurance Needs Analysis - IRA Eligibility (all types of IRAs)- IRA Savings and Goal Analysis - IRA Required Minimum Distributions (RMDs)- IRA to Roth Conversion - Long Term Care Insurance - Lumpsum Distributions vs. Rollover Distributions - Model Portfolio Creation and Comparisons - Mortgage Amortization - Net Unrealized Appreciation of Employer Stock - Net Worth Estimator - New Value Calculator - Pension / Defined Benefit Income estimates - Portfolio Allocation Rebalancing - Portfolio Optimization and «Advice» - Portfolio Return Calculations - Paycheck Tax Savings - Required Minimum Distribution calculations - Retirement Budget and Expense Planning - Retirement Income Analyzer - Retirement Savings Estimator - Risk Tolerance Profile - Roth Conversion - Roth v. IRA illustrations - Short Term Savings goals - Social Security benefit estimates - Stretch IRA / Legacy IRA illustrations - Tax Free Yield calcu
savings - risk profile questionnaires and quizes - model portfolio illustrations - asset allocation and portfolio optimization - portfolio management and value tracking - 401 (k)
retirement savings - Cost of waiting to save - Effect of Taxes and Inflation - Estate Tax Estimator - Finding Money for your savings goals - Health Savings Account (HSA) illustrations - Historical Hypothetical Portfolio Performance - Impact of Inflation - Life Insurance Needs Analysis - IRA Eligibility (all types of IRAs)- IRA Savings and Goal Analysis - IRA Required Minimum Distributions (RMDs)- IRA to Roth Conversion - Long Term Care Insurance - Lumpsum Distributions vs. Rollover Distributions - Model Portfolio Creation and Comparisons - Mortgage Amortization - Net Unrealized Appreciation of Employer Stock - Net Worth Estimator - New Value Calculator - Pension / Defined Benefit Income estimates - Portfolio Allocation Rebalancing - Portfolio Optimization and «Advice» - Portfolio Return Calculations - Paycheck Tax Savings - Required Minimum Distribution calculations - Retirement Budget and Expense Planning - Retirement Income Analyzer - Retirement Savings Estimator - Risk Tolerance Profile - Roth Conversion - Roth v. IRA illustrations - Short Term Savings goals - Social Security benefit estimates - Stretch IRA / Legacy IRA illustrations - Tax Free Yield calcu
savings - Cost
of waiting to save - Effect
of Taxes and Inflation - Estate Tax Estimator - Finding Money for your
savings goals - Health Savings Account (HSA) illustrations - Historical Hypothetical Portfolio Performance - Impact of Inflation - Life Insurance Needs Analysis - IRA Eligibility (all types of IRAs)- IRA Savings and Goal Analysis - IRA Required Minimum Distributions (RMDs)- IRA to Roth Conversion - Long Term Care Insurance - Lumpsum Distributions vs. Rollover Distributions - Model Portfolio Creation and Comparisons - Mortgage Amortization - Net Unrealized Appreciation of Employer Stock - Net Worth Estimator - New Value Calculator - Pension / Defined Benefit Income estimates - Portfolio Allocation Rebalancing - Portfolio Optimization and «Advice» - Portfolio Return Calculations - Paycheck Tax Savings - Required Minimum Distribution calculations - Retirement Budget and Expense Planning - Retirement Income Analyzer - Retirement Savings Estimator - Risk Tolerance Profile - Roth Conversion - Roth v. IRA illustrations - Short Term Savings goals - Social Security benefit estimates - Stretch IRA / Legacy IRA illustrations - Tax Free Yield calcu
savings goals - Health
Savings Account (HSA) illustrations - Historical Hypothetical Portfolio Performance - Impact of Inflation - Life Insurance Needs Analysis - IRA Eligibility (all types of IRAs)- IRA Savings and Goal Analysis - IRA Required Minimum Distributions (RMDs)- IRA to Roth Conversion - Long Term Care Insurance - Lumpsum Distributions vs. Rollover Distributions - Model Portfolio Creation and Comparisons - Mortgage Amortization - Net Unrealized Appreciation of Employer Stock - Net Worth Estimator - New Value Calculator - Pension / Defined Benefit Income estimates - Portfolio Allocation Rebalancing - Portfolio Optimization and «Advice» - Portfolio Return Calculations - Paycheck Tax Savings - Required Minimum Distribution calculations - Retirement Budget and Expense Planning - Retirement Income Analyzer - Retirement Savings Estimator - Risk Tolerance Profile - Roth Conversion - Roth v. IRA illustrations - Short Term Savings goals - Social Security benefit estimates - Stretch IRA / Legacy IRA illustrations - Tax Free Yield calcu
Savings Account (HSA) illustrations - Historical Hypothetical Portfolio Performance - Impact
of Inflation -
Life Insurance Needs Analysis - IRA Eligibility (all types
of IRAs)- IRA
Savings and Goal Analysis - IRA Required Minimum Distributions (RMDs)- IRA to Roth Conversion - Long Term Care Insurance - Lumpsum Distributions vs. Rollover Distributions - Model Portfolio Creation and Comparisons - Mortgage Amortization - Net Unrealized Appreciation of Employer Stock - Net Worth Estimator - New Value Calculator - Pension / Defined Benefit Income estimates - Portfolio Allocation Rebalancing - Portfolio Optimization and «Advice» - Portfolio Return Calculations - Paycheck Tax Savings - Required Minimum Distribution calculations - Retirement Budget and Expense Planning - Retirement Income Analyzer - Retirement Savings Estimator - Risk Tolerance Profile - Roth Conversion - Roth v. IRA illustrations - Short Term Savings goals - Social Security benefit estimates - Stretch IRA / Legacy IRA illustrations - Tax Free Yield calcu
Savings and Goal Analysis - IRA Required Minimum Distributions (RMDs)- IRA to Roth Conversion - Long Term Care Insurance - Lumpsum Distributions vs. Rollover Distributions - Model Portfolio Creation and Comparisons - Mortgage Amortization - Net Unrealized Appreciation
of Employer Stock - Net Worth Estimator - New Value Calculator - Pension / Defined Benefit Income estimates - Portfolio Allocation Rebalancing - Portfolio Optimization and «Advice» - Portfolio Return Calculations - Paycheck Tax
Savings - Required Minimum Distribution calculations - Retirement Budget and Expense Planning - Retirement Income Analyzer - Retirement Savings Estimator - Risk Tolerance Profile - Roth Conversion - Roth v. IRA illustrations - Short Term Savings goals - Social Security benefit estimates - Stretch IRA / Legacy IRA illustrations - Tax Free Yield calcu
Savings - Required Minimum Distribution calculations -
Retirement Budget and Expense Planning -
Retirement Income Analyzer -
Retirement Savings Estimator - Risk Tolerance Profile - Roth Conversion - Roth v. IRA illustrations - Short Term Savings goals - Social Security benefit estimates - Stretch IRA / Legacy IRA illustrations - Tax Free Yield calcu
Savings Estimator - Risk Tolerance Profile - Roth Conversion - Roth v. IRA illustrations - Short Term
Savings goals - Social Security benefit estimates - Stretch IRA / Legacy IRA illustrations - Tax Free Yield calcu
Savings goals - Social Security benefit estimates - Stretch IRA / Legacy IRA illustrations - Tax Free Yield calculations
Since the growth
of your policy's cash value is tax - deferred, variable
life insurance might be a good consideration if you've maxed out your
retirement account contributions, have a sizable portfolio
of more liquid assets (such as in your brokerage and
savings accounts), and are looking for an additional investment vehicle that also offers coverage to your dependents should anything happen to you.