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Retirement Articles

Retirement Planning

How Do You Plan For Retirement At Or Near Retirement Age? How Do You Plan For Retirement At Or Near Retirement Age?

Raising a family and working through lean times means not everyone has an opportunity to save significant sums of money when planning for retirement. Many people also have a live for today attitude and don't realize how important retirement planning...


7 Tips to Find a Job in Retirement 7 Tips to Find a Job in Retirement

While enjoying your Golden Years should be the primary focus of retirement it's not always possible or desirable. Some retirees miss having a daily job to give them purpose while others may need additional income to supplement increased expenses like...


Why Should You Start Retirement Planning Now?

When it comes to retirement planning you can never get started too early. The mistake many individuals make is that they graduate high school or college and put retirement planning on the back burner for years at a time. The world is their oyster and...


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Annuities and Settlements

Disadvantages Of A Structured Settlement Disadvantages Of A Structured Settlement

When a judgment has been ruled in your favor it is uncommon to receive a lump sum payment for the full amount of the judgment awarded. What is more likely to happen is a structured settlement will be negotiated which entitles you to receive periodic ...


Charitable Gift Annuities

Current Federal tax code allows for charitable contributions to be deducted on individual tax returns at fair market value when given as gifts to qualifying charitable organizations. The gifts may be cash or other property but are dependent on an in...


How To Sell An Annuity

Selling an annuity should only be considered in the most drastic economic situations due to the fact that significantly less money will be received than if the annuity or structured settlement were allowed to go forward as planned. If an unexpected e...


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Trusts and Living Wills

What Is A Trust?

A trust is a type a specific legal entity which facilitates the transfer of assets, either cash or real property, to specific individuals or organizations. Trusts consists of the following parties which are the Trustor, Trustee, Trust Property, Trus...


What Is A Living Trust Will?

A living trust will functions primarily as a holding place for assets to be transferred into which then become immediately available to a designated beneficiary. Instead of having multiple accounts in multiple locations all with similar or dissimila...


The Difference Between a Living Trust and a Living Will

A living trust holds and protects your assets while you're alive and passes them on to your designated heirs when you die. A living will makes your wishes regarding life prolonging medical procedures known to your family and health care providers. Bo...


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IRAs

How To Open An IRA Account How To Open An IRA Account

Opening an Individual Retirement Account is actually a simple process which can be done with most financial institutions. The Internal Revenue Service does however enforce certain requirements for consumers to take advantage of the tax benefits affor...


IRA CD Advantages And Disadvantages

Saving for retirement has become more important in recent years as expenses continue to increase and the long-term viability of Social Security comes into question. As more individuals take control of their financial futures, 401(k)s and IRAs have be...


Roth IRA Ordering Rules Roth IRA Ordering Rules

Traditional IRA contributions are to remain in a retirement account until the account holder reaches the specified age which is normally 59 1/2 at which point they must begin withdrawing funds with minimum annual distributions. With Roth IRA contrib...


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401(k)s

What Are Some Advantages Of A 401(k)?

Most working individuals are familiar with some of the advantages of having a 401(k). Even with this knowledge only about 50% of employees who are eligible currently contribute to a company-sponsored retirement account. Some of the apprehension from ...


401(k) Rollover Penalty Free

Starting employment at a new company can be a exciting experience but many organizations offer 401(k) retirement plans which have to be dealt with when pursuing new job opportunities. It may not be exciting to deal with a 401(k) from a former employ...


Is There A Way To Change The Company That Manages Your 401(k)?

In most circumstances it is not possible to change the organization which has been contacted by an employer to manage individual retirement accounts such as 401(k) plans. Outside of experiencing a life event such as retiring, changing jobs or turnin...


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