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Business Cents: The Retirement Mindgame

Provided by Garrett German What kind of retirement do you think you’ll have? Qualitatively speaking, what if the success or failure of your retirement begins with your perception of retirement? A whole field of study has emerged on the psychology of saving, spending, and investing: behavioral finance. Since retirement saving is a behavior (and since […]

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Business Cents: Retirement Planning Weak Spots

Provided by Garrett German Many households think they are planning carefully for retirement. In many cases, they are not. Weak spots in their retirement planning and saving may go unnoticed.  Couples should recognize that they may face major medical expenses. Each year, Fidelity Investments estimates how much a pair of newly retired 65-year-olds will spend […]

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Business Cents: Adjusting Your Portfolio as You Age

Provided by Garrett German If you are an experienced investor, you have probably fine-tuned your portfolio through the years in response to market cycles or in pursuit of a better return. As you approach or enter retirement, is another adjustment necessary? Some investors may think they can approach retirement without looking at their portfolios. Their […]

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Taking a Loan from Your Retirement Plan Is a Bad Idea

Provided by Garrett German Thinking about borrowing money from your 401(k), 403(b), or 457 account? Think twice about that, because these loans are not only risky but injurious to your retirement planning.  A loan of this kind damages your retirement savings prospects. A 401(k), 403(b), or 457 should never be viewed like a savings or […]

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Are Your Beneficiary Designations Up to Date?

Provided by Garrett German Here’s a simple financial question: who is the beneficiary of your IRA? How about your 401(k) or annuity? You may be saying, “I’m not sure.” It is smart to periodically review your beneficiary designations.  Your choices may need to change with the times. When did you open your first IRA? When […]

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Why Having a Financial Professional Matters

Provided by Garrett German What kind of role can a financial professional play for an investor? The answer: a very important one. While the value of such a relationship is hard to quantify, the intangible benefits may be significant and long lasting.  A good financial professional can help an investor interpret today’s financial climate, determine […]

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A retirement savings vehicle designed for the smallest businesses

Provided by Garrett German A solo 401(k) lets a self-employed individual set up a 401(k) plan combined with a profit-sharing plan. You can create one of these if you work for yourself or for you and your spouse. Reduce your tax bill while you ramp up your retirement savings. Imagine nearly tripling your retirement savings […]

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