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

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Securing Your Retirement Income
Dockers B0725B8W2V by Gerli Men’s by 35ca101-400 Ankle Boots 19060 - 9ef573e - poyigut.site 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.

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Retirement Planning for Baby Boomers
Dockers B0725B8W2V by Gerli Men’s by 35ca101-400 Ankle Boots 19060 - 9ef573e - poyigut.site 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.

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Dockers B0725B8W2V by Gerli Men’s by 35ca101-400 Ankle Boots 19060 - 9ef573e - poyigut.site 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.

Dockers B0725B8W2V by Gerli Men’s by 35ca101-400 Ankle Boots 19060 - 9ef573e

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Dockers B0725B8W2V by Gerli Men’s by 35ca101-400 Ankle Boots 19060 - 9ef573e Dockers B0725B8W2V by Gerli Men’s by 35ca101-400 Ankle Boots 19060 - 9ef573e - poyigut.site 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.

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Investing for Retirement
Dockers B0725B8W2V by Gerli Men’s by 35ca101-400 Ankle Boots 19060 - 9ef573e - poyigut.site 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.

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Dockers B0725B8W2V by Gerli Men’s by 35ca101-400 Ankle Boots 19060 - 9ef573e - poyigut.site 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.

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Dockers B0725B8W2V by Gerli Men’s by 35ca101-400 Ankle Boots 19060 - 9ef573e - poyigut.site 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.

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Info for Baby Boomers
Dunlop Dunlop Blizzard Boot Green Size 38 - , Tod s Men s XXM44A00640RE0U805 Blue Suede Loafers - , Ted Baker Men’s Saskat Oxfords - , Minibel Baby Girls’ Petra Sandals - Aro Men s Trainers - Ak Collezioni Men s Loafer Flats blue blue 7 - Dickies Tiber Composite Super Safety Trainers Strong Composite Toecap Non-Metallic Anti-Penetration Sole Lightweight... - Black Made In England Double Buckle Monk Shoe by Charles Tyrwhitt - Rodi Misano Mens Italian Driving Shoes - Brown - Insun Men s Leather Slip-On Loafers Boat Shoes - , Highlander II Waterproof Hiking Boot Vibram Sole - , Boat Shoes fat sole Edward´s in black - Lugz Men s Drifter Lo LX Boot - , Naot Men’s Slippers - Under Armour Men s UA M ATLANTICDUNE T Shower & Bath Shoes - , adidas Men’s Cloudfoam Executor Low-Top Sneakers - , Ejendals 3448-46 Size 46" Jalas 3448" Safety Footwear - Black - Men Pool Sandals Beach Peep Toe Summer Swimming Leather Non-slip Slippers Breathable Casual Home Bath Shoes,Yellow-brown-38 - , Ruiatoo Men s Classic Tassel Loafer Boat Shoes - Low with tip satin single shoes and sweet Bow Tie students shoes, beige 34 - , MBT Men’s Zee 17 M Sneaker - Meo Auda Safety Work Boots S3 SRC Berufsschuhe B-Ware - , Jodhpur-Stiefelette CLASSIC - , yalanshop Slope And Beach Sandals, Xia Ping Di Students, And Korean Version Of The Wave Of Wild Flowers. - Nike Genicco, Men s Trainers - , McWell Men Flip-Flops - MEN’S DESIGNER-INSPIRED OFFICE/WEDDING SLIP-ON SHOES IN UK SIZES 6-11 - , Cofra 78491-000.W46 Size 46 S1 P ESD SRC Davenport Safety Shoes - Lime/Green - Delta Plus ABS134PR BLACK SAFETY SHOE -
Dockers B0725B8W2V by Gerli Men’s by 35ca101-400 Ankle Boots 19060 - 9ef573e - poyigut.site PeppeShoes Modello Bellushi - Handmade Italian Leather Mens Colorful Oxfords Dress Shoes - Cowhide Smooth Leather... - , Anatomic Gel Tapajos Mens Casual Shoes - , Large Size Spring New Board Shoes,Head LGenuine Soft Leather,Size (22.5-29.0CM) General Shoes - Kappa Unisex Kids’ Korfu Ankle Strap Sandals, Navy/Green - adidas Nitrocharge 2.0 FG, Men s Football Boots - , Shoes for Crews Unisex Adults’ Froggz Classic 2 Work Clogs, Black (Black), 14 UK (48 EU) - , Reebok Classic Leather Snake Trainers Black Black/Soft Black/Chalk/Atomic Red/Navy Salomon Men s Speedcross 4 Trail Running Shoe, Synthetic/Textile Grey (Dark Cloud/Black/Grey) , ROBERTO BOTTICELLI LIMITED Men s Lace-Up Flats Black Black - Nike Air Max Thea Jacquard, Women’s Low-Top Sneakers - Waldläufer Men s Lace-up Flats - , Troop Ice Lamb 1000 - NEWAIRS Air Vapormax 97 White Mens Running Shoes - , Sandals, Men s Anti-Slip Flip Flops Summer Male Casual Slippers Fashion Beach Sandals - , Puma Unisex Adults Tsugi Apex Low-Top Sneakers - Mjus Men’s 394203-0101-6002 Biker Boots, Black - , Ruanyi Leather Beach Slippers,Casual Breathable Anti-Slip Soft Flat Open Toe Comfortable Sandals Shoes Adjustable... - Stacy Adams Men s Madison Slip-on - Mens Mocassin Mules Loafers Formal Casual Smart Flexible Studded Sole Shoes - , SAGUARO Men s Women s Water Shoes Quick Drying Aqua Trainers Mesh Slip On Breathable Beach Shoes - , Puma Evospeed 5.3 Tt, Men s Football Boots - Bluester Men s Loose Long Sleeve Sweater Pullover Jumper, Turtle Neck Slim Fit Knitwear Outwear Blouse - ZPFDY Men Summer Casual Fashion Bullock Breathable Carved Youth Lace Leather Shoes Black , Rossellini Men s Slip On Suede Leather Lined Western Heel Loafers Decorative Stitch Shoes Red Patent , Propét Men’s Grisham Oxford, Black Black Minitoo Men s Cap-Toe Lightweight Casual Spring/Summer Loafers Black , Rossellini Mens Gentleman Slip On Heavy Stitched Black Loafer Shoes Leather Lined Party Footwear Black Matte Imac Men s Boots Brown , Santimon Men s Combat Boots Leather Motorcycle Ankle Riding with Double Zipper Blue , Dickies Mens Redland II Safety Boot Jet Black 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.

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Dockers B0725B8W2V by Gerli Men’s by 35ca101-400 Ankle Boots 19060 - 9ef573e - poyigut.site 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.

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Dockers B0725B8W2V by Gerli Men’s by 35ca101-400 Ankle Boots 19060 - 9ef573e - poyigut.site 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.

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