LACOSTE B01MFHTUTX_ZAPATILLAS -_29SPM0004-121_$P 19045 - 0609067 -
Go To Retirement

A Baby Boomer's Journey from Retirement Planning to Retirement Living

You are here: Home
Securing Your Retirement Income
LACOSTE B01MFHTUTX_ZAPATILLAS -_29SPM0004-121_$P 19045 - 0609067 - Creating a Plan for Guaranteed Retirement Income

Regular readers of this blog may recall that I have been studying the work of Zvi Bodie, a professor of finance at Boston University. (I mentioned Prof. Bodie in my post on Retirement Income and the Myth of Equity Risk.) After much consideration, I’ve decided to adopt Prof. Bodie’s concepts into our retirement income plan. More particularly, I have created a plan to provide guaranteed retirement income. I will explain.

[Read More…]

Retirement Planning for Baby Boomers
LACOSTE B01MFHTUTX_ZAPATILLAS -_29SPM0004-121_$P 19045 - 0609067 - What is New with this Baby Boomer? Plenty

I’m back again after a long blogging layoff. It’s not that I didn’t have anything to write about. I was just concentrating on life as it happened, pushing the reflection and writing to the back burner. Now I seem to have a little breathing room. So I will update you. Please read on if you are interested.

[Continue Reading…]

LACOSTE B01MFHTUTX_ZAPATILLAS -_29SPM0004-121_$P 19045 - 0609067 - The Complexity of Working with Medicare, Social Security and Health Savings Accounts

I called the national Social Security phone line last week to discuss survivor benefits. (More on that later.) Of course, the person I spoke with could not actually process my claim.  Instead, he had to schedule a future telephone appointment to do that, with my local Social Security office. The first available appointment time was in August. Keep that in mind if you need to apply for a benefit that cannot be processed online. Before I called to file a claim, I did a lot of research on what I was about to do. Given my circumstances, determining the optimum filing strategy was quite complicated.

LACOSTE B01MFHTUTX_ZAPATILLAS -_29SPM0004-121_$P 19045 - 0609067

[Continue Reading…]

LACOSTE B01MFHTUTX_ZAPATILLAS -_29SPM0004-121_$P 19045 - 0609067 LACOSTE B01MFHTUTX_ZAPATILLAS -_29SPM0004-121_$P 19045 - 0609067 - Building My Retirement Spending Plan

I finally got busy this week doing a lot of work on my retirement spending plan. This has been a work in progress for several years as I have acquired TIPS and I-Bonds as part of my Failsafe Retirement Plan grand strategy. But interesting things are happening (including getting older) and the time has come for me to get more specific with a plan for how I am going to use my retirement assets to provide spending money. I’ll try to explain my logic without giving too much away or boring you.

[Continue Reading…]

More Posts About Retirement Planning

Investing for Retirement
LACOSTE B01MFHTUTX_ZAPATILLAS -_29SPM0004-121_$P 19045 - 0609067 - The Sequence of Returns Retirement Risk

I hope that most baby boomers who are close to retirement have developed a fundamental understanding of the “sequence of returns” risk as it applies to their retirement security. In a nutshell, the sequence of returns risk tells us that the annual returns on our retirement investments do not by themselves determine whether our retirement nest egg will support us until we die. Rather, we must also carefully consider when those returns occur. For example, a significant market downturn at the commencement of our retirement – say at age 65 – is much more dangerous than if the same downturn occurs ten years later, at age 75. Let’s think more about this for a minute.

[Read More…]

LACOSTE B01MFHTUTX_ZAPATILLAS -_29SPM0004-121_$P 19045 - 0609067 - Predictable Retirement Income from Target Date Bond Funds

This past fall and winter I added some new investments to my retirement portfolio. The investments are known as target date bond exchange traded funds. Sometimes they are referred to as “target maturity” bond funds.  This type of investment is new.  The target date bond ETF category shows great promise for providing bond-like retirement income with little or no interest rate risk.

[Read More…]

LACOSTE B01MFHTUTX_ZAPATILLAS -_29SPM0004-121_$P 19045 - 0609067 - First Quarter Net Worth Analysis

Although I have been slow posting in recent months (now being remedied), I have continued to track my net worth as I move ever closer to retirement. (I say “ever closer” despite not having selected a retirement target date.) I have also made some recent changes in my investments with others planned in the coming weeks. The objectives for these changes are to a (a) increase certainty of income in future years and (b) simplify.  I will write more about these changes next week.

[Read More…]

More Posts About Investing for Retirement

Info for Baby Boomers
adidas Men s I-5923 Iniki Runner Bb2100 Trainers - GTYMFH Autumn Men s Boots High-top Lace Shoes Casual Boots Men Leather Boots - Faguo Cypress, Unisex Adults’ Low - Dickies Mens Liberty Work Boot Black Size 11 - , Palladium Mens Pallabrouse Wax Canvas Boots - , BM Footwear Men’s 2716201 Trainers - Mens Fashion Leather Moccasins Slip On Driving Loafers Casual Party Business Shoes Snakeskin - Red Wing Mens Postman Oxford 3119 Leather Shoes - , adidas Men’s Daily 2.0 Running Shoes, Black - ZFNYY Men s Dress Business Leather Shoes Fashion Tip Lace Single Shoes Wedding Shoes - , Pataugas Men s Boots - , Grafters Mens Suede Safety Toe Cap Trainer Shoes - #DC Pure WC Black White Mens Leather High Top Trainers - , Reef Boys’ Phantoms Flip Flops - , PeppeShoes Modello NUORO - Handmade Italian Leather Mens Navy Blue Ankle Chukka Boots - Cowhide Smooth Leather... - , Prada Men s 2EC097 P39 F0038 Brushed Spazzolato Leather Business Shoes - Cofra 13620-000.W40 Size 40 S3 WR CI HRO SRC Glenr Safety Shoes - Black - Olang Women’s Snow Boots - New Balance Classics Traditionnels - , Reebok Unisex Babies’ Classic Leather MCC Low-Top Sneakers, Brown (Duck Season/Chalk), 24-36 Months - , Reef Men’s Ridge Dark Grey/Silve Trainers - , Sanita Unisex Adults’ San-Duty Open-Ob Clogs, White (White) - Shepherd Henrik Slipper, Men s Low-Top Slippers - DR.Martens 1461 Decon Lace-UPS - Black Naples - ZPFDY Men Spring British Fashion Casual Youth Lace Leather Shoes - , Vans Old Skool Reissue Unisex Trainers - FB Fashion Boots Men’s Shield 409208-6002 Closed - Roots RO60304 Cherokee Original Men s Safety Shoes – Size 41 – Black - LINNUO Men s Mesh Upper Breathable Shoes Summer Loafer Flats Outdoor Beach Closed-Toe Slip On Net Shoes for Athletic... - ,
LACOSTE B01MFHTUTX_ZAPATILLAS -_29SPM0004-121_$P 19045 - 0609067 - Jordan Nike Men s Eclipse Chukka Basketball Shoe - Karrimor Bodmin Mid 4 Weathertite Black Sea , Rossellini Men s Slip On Suede Leather Lined Western Heel Loafers Decorative Stitch Shoes - , Reef Men’s Rover Low Fashion Trainers, Grey - , Grunland SB3005 BOBO Sandalo Uomo S. - LIEBE721 Fashion Casual Shoes Grid Slip on Men Popular Leisure Shoes - Cole Haan Men s Zerogrand Wing OX Suede Oxford - , adidas Gazelle OG, Men s Trainers Black (Black/White/Metallic Gold) , adidas Men’s Energy Cloud M Running Shoes Multicolor (Scarlet/Core Red S17/Core Red S17) Propét Mens M2035 Stability Walker Strap - , GRRONG Men s Winter Fashion Leather Casual Martin Boots Schmalz - Victoria Unisex Kids’ Ingles Elástico Estrellas Trainers - Snow boots Korean female students warm plus cashmere short cotton shoes flat winter wild winter boots - ZPFME Men Casual Wedding Leather Shoes For Man Oxford Shoes Business Classic Formal Lace-UPS Brogues Shoes - Giasco 32I30240 Greenland S2 Low Shoe, Size 40, White - Five Ten Freerider Flat MTB Shoes - , Base London Magnet, Men’s Boots - , Clarks Men Wallabee Boot Black Suede - , Men s Waterproof Snow Boot Winter Warm Fur Lined Rain Booties Mid Calf Garden Fishing Outdoor Shoes - , High-heeled boots Martin _ autumn female boots boots boots thick with tip and versatile high-heel grind yarn girl Grey Debenhams Red Herring Men Dark Red Leather Mason Brogues - , Rieker B1402 Lace-Up-Men, Men’s Derby Lace-Up Blue (Pazifik/Denim / 14) , yalanshop Sandal Girl, Xia Lu Toe con uno studente, loop, tutto intorno, in stile college. Women s money , GRRONG Men Fashion Casual Shoes Sandals Slippers Yellow Scruffs Halo 2 Safety Trainer & mad4tools Boot Socks - Panther 2521612la _ 41 Challenge Blue S3 Work Shoe, Size 41, Black - , Dr. Martens Unisex Adults’ Galia Open Toe Sandals Brown (Tan Carpathian) , Cushe UM00683B, Men s Low-Top Slippers Grey/Orange Result Workguard Mens Shield Safety Trainers Black/Lime Green , Shoe Beta 7340b Losing One of My Super Heroes

It’s hard for me to believe that I’ve been away from writing with Mark on this blog for so long! It’s been far too long! So much has happened during that time. Many wonderful things, people and events have come into my life. But, I’ll defer to Mark and let him catch up on some of these great happenings.

I want to turn my thoughts instead to other, more somber, areas: grief, gratitude and healing.

[Read More…]

LACOSTE B01MFHTUTX_ZAPATILLAS -_29SPM0004-121_$P 19045 - 0609067 - Celebrating Age 65 With My High School Class

Let’s start by acknowledging that my high school class of 1969 likes to party. Thanks to the hard work by one of our loyal classmates and her helpers, we’ve had full-blow reunions every 5 years since graduation. (I’ve been to every reunion starting at 20 years post-graduation.)  Our class motto was “Class of ’69 Drinks Bud.”  (Technically, this was an unofficial motto because it appeared in print only once – on a large helium balloon attached by a group of us to the top of our high school flag pole during senior week.)  Last weekend, we collectively affirmed our partying ways when 70 of us returned to Ithaca for a class 65th birthday party.

[Read More…]

LACOSTE B01MFHTUTX_ZAPATILLAS -_29SPM0004-121_$P 19045 - 0609067 - Communicating Financial Information to Your Family and Heirs

I recently revised and update my plan for communicating information about my finances and online life to my three sons. I did this to make it easier on them when I die and to make it easier on me if, before I die, I become ill to the point that I cannot handle my own affairs.

[Read More…]

LACOSTE B01MFHTUTX_ZAPATILLAS -_29SPM0004-121_$P 19045 - 0609067 -

More Posts for Baby Boomer Info