Sentences with phrase «retirement living loss»

There are so many factors of buying policies such as memorial costs, hospital expenses, bank card invoice expenses, retirement living loss, economical pressure and many others.

Not exact matches

And be realistic about the chances of not receiving that money: a long stay in a private retirement home, a re-marriage, investment losses, or the relative simply living a really long time can cut into the amount you end up receiving.

It means if your investments take a big hit as you are nearing retirement or in the early years of retirement, your losses can be much more devastating than if they had occurred earlier in your life.

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.

People make those kinds of changes in response to a crisis or life change (divorce, retirement, illness, job loss, to be near a sick parent), not as a preventive measure.

In fact, if a loss occurs earlier in life, there is also the chance that you may have more time to recover (versus a loss occurring later in retirement).

Before 2008, few financial planners focused on what is called «sequence risk» — the danger that big losses early in retirement can upset your plan to live off your investments.

The changes limited cost - of - living adjustments, raised the retirement age and shifted the risk of investment losses from the state to workers.

Some men are wanting support after a big life event such as a new child, retirement, aging parents, grief, divorce, career change, job loss.

With his new life in the Ukraine, Bob said he's working on a few projects, including a weight loss website and one focused on retirement.

Homeowners depending on pensions, social security and their investments for living expenses are struggling more than ever as the result of diminishing returns on savings and losses in investments and retirement accounts stemming from the current economy.

Even the non-immediate loss of a retirement fund or life insurance policy may not be something you or your family could make for when the time arises that you need it.

And be realistic about the chances of not receiving that money: a long stay in a private retirement home, a re-marriage, investment losses, or the relative simply living a really long time can cut into the amount you end up receiving.

She guides clients» through a holistic planning process that creates a personal net wealth statement and navigates major life events, such as the loss of a loved one through death or divorce, paying down debt, planning for college or planning for a wedding and retirement.

They are the only products that allow individuals to accumulate retirement savings, protect those savings from market losses and turn those savings into a guaranteed income for life.

Whether we live in the USA, Japan, Australia, New Zealand or the EU, we know our job losses are draining our countries, making it more difficult to support our retirement programs, health benefits, and even our national defense.

Even the best - laid retirement plans can give way to chaos when a major life event takes place, such as divorce or job loss.

The purpose of the benefit is to provide insurance for actual wage loss, as opposed to indemnifying workers for life or providing a retirement subsidy.

Putting the issue of gender life expectancy differences aside and just considering the discount rate, to illustrate the potential impact to compensation payments, take a 45 year - old claimant with a future loss of # 10,000 pa until retirement at age 65 — this would result in a total future loss of # 216,700 adopting the new minus 0.75 % discount rate.

Even as life insurance protects families from financial loss, it can also be used as an investment to meet future goals like college tuition or retirement.

If you are a business owner and want to buy a life insurance policy on the key employee which will provide a death benefit until that employees retirement then Return of Premium Term might be a great option since you will just get all your money back if the loss of life didn't occur and your valuable employee retires.

Business insurance protects a business against the loss of its valuable lives or key executives; stabilizes the business through the establishment of better credit relations; and provides a practical plan for the retirement of business interests in the event of the death of one of the owners.

Since the universal cash value is invested in riskier financial instruments like stocks and bonds, there is always a chance for losses; however, if the stock market performs well, universal life insurance policies can provide the greatest returns on investment and make significant contributions towards your retirement nest egg.

You can cross in for pension plans as a way to provide the lump sum payout upon the retirement or loss of life of the individual, whichever takes place in advance.

This will ensure you have got a huge corpus to your hand at your retirement age so that it will help you preserve your way of life without any headaches or loss of independence.

In the above scenario, the couple is better off purchasing a 20 to 30 - year term life policy to hold them over until they reach retirement, when the risk of income loss and child - care expenses disappears.

I have urged often and loudly that especially for those over 50 and over 60 term life insurance should be purchased to make up for the loss of capital and the loss of growth in our retirement portfolios over the past 5 years.

I specialize in working with adults who need help navigating major life transitions such as divorce, death of a loved one, children leaving home, leaving an abusive relationship, retirement, job loss, recovery, major career changes, and much more.

I am particularly interested in working with those adjusting to major life transitions such as leaving home, attending college, building careers, beginning or ending relationships, parenthood, infertility, pregnancy loss, empty - nest and retirement.»

Facing major life transitions such as divorce, career change, retirement, «empty nest» or loss?»

And certain times are especially fraught with conflict opportunities: a move, job loss, retirement, the birth of a new baby, kids leaving the nest, an accident or illness, the loss of a parent... During these and other big life transitions, it's common for couples to experience greater strain and conflict and be at risk for disconnection.

I work with children, adolescents, adults, couples, and families in the areas of depression; stress and anxiety; life transitions and adjustment disorders including divorce, step - family issues, work related issues, chronic illness, loss and grief and retirement.

«Insights Counseling Group, (formerly New Mourning) is a non profit staffed with therapists and interns who have life experience and know first hand that losses occur from transitions like divorce, adoption, childbirth, career loss, and retirement.

I work with many couples that are challenged by loss of interest in one another, emotional / physical infidelity and / or life changes such as illness, retirement, becoming parents.

Whether it is marriage, the birth of a child, loss of a parent, divorce, or retirement — the continuous insight, perspective and constant safe space can provide the skills and tools to not only cope, but heal and find strength in each new chapter of your life.

Areas that Suzanne likes to work with: abuse, addictions, grief & loss, life transitions (graduations, retirement, deaths, births, marriage), communication skills, anxiety, depression, self - esteem, parenting skills, and being trained to work with self - injury (NSSI).

«I help women and couples who have experienced trauma or an overwhelming life change or challenge such as: divorce, infidelity, separation, new baby, aging parents, grief and loss, adjustment to retirement, relocation, mental illness, depression, anxiety, job stress or burnout.

«I have a passion for wholeness and feel honored to walk alongside those who have experienced trauma, those who want to grow and those who just feel stuck - whether it's from an abusive past or present, grieving a loss, the immobility of anxiety or depression, coping with life transitions such as retirement, or working through the heartache of a troubled relationship.

Some of these life transitions include divorce, separation, illness, loss, care giving, retirement and family issues, all of which can cause anxiety and depression.»

Even life changes involving retirement or the loss of a spouse can turn a family's life inside out, and everyone in the family unit is affected by these challenges.