Archive | Sustainable Retirement

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What’s the AIM of both investing and planning?

The aim of retirement planning while working is to accumulate shares. The aim of retirement planning once retired is to conserve shares! Both working or retired, the aim is share management! The value of each share goes up and down over time. Shares are the store of wealth. Dollars are simply a measure of spending […]

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1-minute video: How Can Social Security and Retirement Planning Work Together for Your Benefit?

Please enjoy this 1-minute video (for those receiving this by email: please click on the blog title line above to view). Social Security is often dismissed or minimized by many when it comes to retirement planning. This is a mistake since Social Security forms a firm foundation that you can’t outlive. People don’t recognize the […]

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What are the Three Paradigms of Retirement Income Planning?

When you Google “retirement planning” you typically get results about 401ks or investing. On the search topic of retirement, you get few results on how to plan for, transition into, and/or prudently sustain income once retired. The term “retirement” brings to mind, and Google finds results on, the savings and investing part. However, the use […]

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1-minute video: 5 Common Mistakes to Avoid in Retirement

Please enjoy this 1-minute video (for those receiving this by email: please click on the blog title line above to view). When it comes to retirement, most people have as their fundamental goal to maintain their lifestyle, or what I call their Standard of Individual Living (SOIL). But, just what is your lifestyle today? How […]

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Appealing the IRMAA (What’s that? Ans: Higher Medicare Part B & D premiums)

Appealing the IRMAA (What’s that? Ans: Higher Medicare Part B & D premiums)

How do you appeal the Medicare Income Related Monthly Adjustment Amount, or IRMAA? Amid the long checklist of things you must do at retirement, this can easily be overlooked, causing you to pay more in Medicare premiums than you need to. The IRMAA was first enacted in 2003 as a provision of the Medicare Modernization Act […]

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What is a Retirement Feasibility Timeline?

I define the Retirement Feasibility Timeline as a method to depict the transition between the working years (accumulation) and the retirement years (decumulation). You can visually see year by year (age by age) when retirement may be feasible without any changes to what you’re presently doing, and what meaningful changes may alter that outcome to […]

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Just Imagine Financial Planning Software … that does this …

Preface Financial planning software today is still a calculation-based approach that derives a supposed solution that most in the profession call a plan. Under the current paradigm, there is much more to be desired. Those desires are currently limited by the perspectives and interests within the software provider community that is also driven by the […]

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