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How to Know When You Can Afford to Retire

It’s a long journey across your professional career to the promised land of retirement. One of the big questions you face is whether you’re finally ready to make the transition. Individuals have to decide when they’ve achieved their professional goals but also when their retirement income, pensions, and social security will be enough to live on for the rest of their lives.Knowing where you stand can help you make smart, informed decisions.Ready? Let’s dive in…Know Your DestinationWhat are you looking for in retirement? Are you planning to load up the RV and drive cross country? Are you looking forward to getting away...

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10 Surprising Retirement Stats

Americans haven’t done a good job planning and saving for retirement. A surprising fact is that many older Americans, particularly the hard-working Baby Boomer generation, have done worse than the subsequent generations they so often criticize. Still, the overall picture remains bleak. Here are 10 surprising retirement stats to consider:One in three Americans are unprepared for retirement[1]Thirty-three percent of the United States population is not ready for retirement, having saved nothing at all for their post-work years. Beyond that, 56% of Americans have less than $10,000 saved, and fewer than 20% have saved more than $200,000.The average amount saved by...

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The Retirement Anxiety Antidote

You’ve been waiting for it your entire life. You’ve been sinking funds into your retirement account from the earliest date you were able. As your retirement date gets closer, suddenly the transition you’ve longed for becomes a source of anxiety. Instead of looking forward to the freedom, retirement anxiety takes over and you dread everything that might go wrong and wonder if it’s what you really want after all. The worry you feel when it comes to retirement may be worse than it should be.What People FearThere are multiple causes of retirement anxiety. Here are a few thoughts that might...

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10 Biggest Retirement Mistakes

Retirement may be both one of the most anticipated and feared milestone events in each person’s life. For most of adulthood people plan, save, and dream of the day when they no longer have to build their lives around their occupation and are free to pursue what they enjoy. Once they get there, it’s often different from what they expected. Some common blunders can turn a hoped-for dream into an anxiety-filled nightmare. When entering retirement, watch out for these common retirement mistakes.OverspendingWhen your retirement savings are going fast, it’s an urgent financial issue. The first step is to figure out if...

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HCM 401(k) Optimizer® Addresses the Number One Fear of Retirees

Macino Financial Services introduces HCM 401(k) Optimizer to help pre-retired and retired participants navigate investment options available in a company plan.According to USA Today, the number one fear of retirees is outliving their savings; yet, while 61 million Americans participate in employer-sponsored retirement programs (401(k), 403(b), 457, thrift savings plans), the overwhelming majority have little reliable information on retirement investing.HCM 401(k) Optimizer is designed to help participants implement an asset allocation strategy based on their specific tolerance for risk and the available investments under their 401(k), 403(b) or other defined contribution plan. The HCM 401(k) Optimizer produces a personalized asset allocation...

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Retire Abroad: How to Receive Your Retirement Benefits in Another Country

Have you and your spouse dreamed of spending time abroad after retirement? You can still receive your retirement benefits if you choose to live in another country. Travel the world, put down roots in a beloved city, or split your time here and there. Whatever way you choose to spend your retirement abroad, here’s what you should know about arranging for your retirement benefits.Choosing a Country for RetirementThe United States actively manages Social Security arrangements with several countries. In many cases, retirees can collect Social Security benefits including retirement, survivors’ benefits, and disability. Since the United States does not support...

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What Same-Sex Couples Need to Know About Social Security

Social Security recognizes same-sex couple marriages in all states. Some non-marital legal relationships like civil unions and domestic partnerships determine Social Security benefits as well. Consider these factors to receive the most from your benefits.Social Security Benefits and the LawOn June 26, 2015, the Supreme Court ruled same-sex couples have the right to marry in all states, and that all states must recognize their union. Social Security focuses on treating all Americans with dignity and equality.Marital Status Determines EligibilityIf you’re married, same-sex couples can receive Social Security benefits when one person retires, dies or becomes disabled. Your social security taxes...

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Are Retirement Planning Tools Really Helping You?

If you are looking for advice or tools to help with retirement planning, the internet provides you with calculators, savings planners, and web retirement skills. Online tools can be extremely beneficial for your retirement planning, but you should use them with caution. Some will offer assistance and guidance through the process, while others may end up being a scam. It is important to conduct a detailed search in order to find the best retirement planning tools for your situation.Pros and Cons of Using Retirement Planning Tools:No Negative Feedback or JudgmentsTrying to plan your retirement with a financial planner can be...

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How Couples Get the Most Out of Their Social Security

Social Security planning can be tricky, especially if you and your spouse are different ages. It is important to be prepared and plan accordingly to get the most out of your benefits. Focus on the best time for you to collect as a couple, not just as a single entity. This is a common mistake couples make, and you could potentially lose some of your benefits.Here are some strategies to get the most out of your Social Security:1. Primary Breadwinner Can Delay BenefitsWhen one spouse is the primary breadwinner for the couple, it usually makes sense for that person to...

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It’s Never Too Early to Begin Retirement Planning

Graduating from college and entering the workforce can be stressful. As you are working to kick off your career, the last thing on your mind is retirement planning. However, it’s wise to start thinking about the future and planning for your retirement as early as possible. There are several benefits to planning early, including having more savings ready for your retirement once the time comes.Ideally, you should start saving for your retirement in your twenties. This time of life generally offers the most flexibility and chances to save. By the time you start building a family or taking your career...

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