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Retirement Planning Blog

Retirement Planning Services - Macino Financial > Retirement Planning Blog (Page 4)

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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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 Law On 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 Eligibility If 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 Judgments Trying 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 Benefits When 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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4 Steps to Financial Spring Cleaning

Spring cleaning is an annual rite of passage for many people. After a long Toledo, Ohio winter, your lawn as well as the inside and exterior of your home could use some attention. Lawn care companies are busy this time of year with requests for thatching, weed pulling, clipping hedges, cleaning gutters, and numerous other outdoor chores. Perhaps the outside of your home needs a new paint job and the inside needs a deep cleaning. You accept that these chores must be done and just do them. Taking the same attitude towards financial spring cleaning could save you money and help...

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Macino Financial Services Launches New Website

Retirement professional, David Macino, announced today the launch of a new website, www.macinofinancial.com. The new website more closely aligns with the firm’s strategic vision for growth and expansion over the next decade, and beyond. “Our goal in launching this new website is to provide one more access point and online resource for people to learn more about who we are, what we do, and how we can help them achieve their retirement goals,” commented Macino. Site changes feature responsive design, enhanced content and redesigned format to provide a better overall user experience. The new website has also been designed with improved navigation...

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Social Security for Women Seminar

Retirement professional, David Macino, announced today he will host a free seminar titled Social Security for Women at Stautzenberger College, 1796 Indian Wood Circle, Maumee, OH 43537. Many women have reasons to be concerned about achieving a secure retirement. How confident are you that you will be able to live comfortably in retirement? Join David for a FREE educational workshop to help women understand the unique retirement challenges they face. Reserve your seat today to learn strategies that maximize your Social Security income. Two sessions are available. Seating is limited. RSVP today. Tuesday, February 21 @ 6:30 pm ET Thursday, February 23 @ 6:30 pm...

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