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Retirement Planning

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 Fear There 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. Overspending When 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 Retirement The 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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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 Judgments Trying to plan your retirement with a financial planner can be...

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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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