WiserAdvisor

MAY 22, 2025

The average life expectancy in the United States now stands at nearly 80 years, and by 2040, 20% of Americans will be over the age of 65. With medical inflation outpacing general inflation, ignoring healthcare in your retirement plan is a risk no one can afford. Factoring in retirement healthcare costs is a smart move.

Healthcare 59

Healthcare Retirement Planning Retirement Planning 59

Random Roger's Retirement Planning

DECEMBER 28, 2024

It would take an extreme move up in rates to cause a big move in the price of a two year instrument, very extreme, but if that happened, the time needed to bail you out would be very short as opposed to be far underwater on an issue that matures in 2035 or 2040. The argument I've been making has been simpler.

Portfolio 52

Portfolio Retirement Retirement Planning Assets 52

Random Roger's Retirement Planning

APRIL 22, 2024

An individual 20 year treasury bond bought when yields were at their lowest will return 100 cents on the dollar when it matures in 2040. Bond funds have no par value to return to which might make them worse than individual bonds. There is nothing that says TLT must get back to the $171 dollars it traded at in 2020.

Marketing 98

Marketing Marketing Financial Advising Math 98

Random Roger's Retirement Planning

SEPTEMBER 27, 2023

If you have bonds that mature in 2035 or 2040, maybe they haven't done what you would have hoped for but in terms of figuring out what to do, you're in a bad spot. Then make sure things are generally behaving as you think they should. Any that are not doing what they "should," why aren't they and then figure out what to do.

Portfolio 75

Portfolio Clients Accounting Numbers 75

Random Roger's Retirement Planning

DECEMBER 20, 2023

Someone who is today 50 making $75,000 (I saw that as an average salary in some article recently), wanting to retire at 67 in 2040 can expect to get $26,596 ($2133/mo) from Social Security in today's dollars. A lesser reason is I do plan to keep on working and the taxation on SS below your FRA is not very friendly.

Retirement 74

Retirement Retirement Planning Medical Planning 74

WiserAdvisor

MAY 3, 2023

Health and financial planning must go hand in hand to ensure you always have enough savings to tackle the unexpected. Therefore, it is essential to consider your health when making financial plans. A financial advisor can help you understand how to factor your health into your financial planning.

Financial Planning 40

Financial Planning Planning Medical Healthcare 40