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Go To Retirement

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

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Securing Your Retirement Income
FRETZ Black men FRETZ Men’s Derbys, Andrew Derbys, Black - 06f1613 - 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
FRETZ Black men FRETZ Men’s Derbys, Andrew Derbys, Black - 06f1613 - 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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FRETZ Black men FRETZ Men’s Derbys, Andrew Derbys, Black - 06f1613 - 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.

FRETZ Black men FRETZ Men’s Derbys, Andrew Derbys, Black - 06f1613

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FRETZ Black men FRETZ Men’s Derbys, Andrew Derbys, Black - 06f1613 FRETZ Black men FRETZ Men’s Derbys, Andrew Derbys, Black - 06f1613 - 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
FRETZ Black men FRETZ Men’s Derbys, Andrew Derbys, Black - 06f1613 - 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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FRETZ Black men FRETZ Men’s Derbys, Andrew Derbys, Black - 06f1613 - 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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FRETZ Black men FRETZ Men’s Derbys, Andrew Derbys, Black - 06f1613 - 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
Scan 4 D-Ring Chukka Safety Boots Range - Atlas SL 805 XP Blue Sicherheits-Stiefel S3 ESD EN ISO 20345 schwarz blau | 45 - , Petrol Industries Men s Thong Sandals Blue and Grey - , s.Oliver Men s 5-5-15101-24/701 Lace-Up Flats Green BROWN - , Bugatti Men’s 311206323200 Ankle Boots, Grey - , Birkenstock Arizona, Unisex-Adult s Sandals - , AT.P.CO A158S05A0283 Ankle Men - , Outdoor Men Wading Sandals Beach Shoes Multi-color Multi-size - , ECCO Unisex Kids’ Biom Raft Open Toe Sandals, Black, 9.5 Child UK - Church s Men s EEB0179XVF0AMA Brown Leather Lace-Up Shoes - , Birki s Skorpios, Unisex-Adults Sandals - , German Wear Brogue Leather Shoes Business Shoes Smooth Leather/Leather Brown - RDJM EVA Flip-Flops For Men, The Best Summer Beach Man Slippers, Mens Large Size Wide Platform Sandals - , Goodyear JMG005 Texas walking sandal - Paolo Vandini NAUVARRO Mens Leather/Canvas Long Wing Slip On Brogues Tan - Rider Brasil Ventor Slide Navy Mens Slide Sandals - @Sandals Summer, Men S New Leisure Beach Shoes, Waterproof Slippers, Men S Flip Flops. - FinnComfort DANZIG-S 81529348309 Mens Mule, Brown 11 UK - G.H. Bass Larson Penny Loafers - ECCO Men’s Biom G2 Free Gore-Tex Golf Shoe - , Toms Classics Canvas 001001a07 - Cofra 78450-002.W43 Size 43 S1 P SRC Petri Safety Shoes - Black - CHILLANY Womens Pumps Espadrille Flats - TOWER HIKE GTX BOOTS GREY/BLACK EU 43/UK 9 - DADAZE Women Men s Running Shoes Lightweight Lace-up Trainers Mesh - Puma Safety Borneo Mid Mens Safety Boots (41 EUR) (Black) - LEDLFIE Men s Leather Shoes Joker Tooling Low Help Casual Shoes - Skechers Men s On The Go Revolve Sneaker - Timberland Men’s Amherst Ptowhite Denim Canvas Oxford -
FRETZ Black men FRETZ Men’s Derbys, Andrew Derbys, Black - 06f1613 - Reebok Men’s Royal Complete 2ls Trainers - Dude Shoes Hey Men s Farty Print Navy Flower Slip On/Mule UK7/EU41 - , Steel Toe Safety Shoes, LM-123 Mens Breathable and Light Weight Anti-Smashing Work Trainers,Black & Red,8 UK - , Skechers USA Men s Men’s Elected Horizon Oxford, Black, US - , Icegrey Men s Lace Up Driving Moccasin Slipper Loafer Blue 45 - Penguin Men s Trainers - , Salomon Men’s Speedcross Vario Trail Running Shoes - Skechers Mens 64263 - , Frau Moccasins Mens Suede Leather, textile, rubber sole - Ejendals 9552-40 Size 40" Jalas 3322 Drylock Occupational Boots - Black - Kenneth Cole New York Men s Knock-Out Combat Boot - DoGeek Water Shoes Slip-On Aqua Shoes for Adults and Kids - Barefoot Shoes Water Skin Shoes Surf Shoes Socks for Beach/Swim/Surf/Yoga/Pilates - Sports Shoes Pink , Senbore Men Casual Sports Shoes Air Trainers Fitness Flats Running Athletic Competition Sneakers White , Mens Laced Smart Leather Lined Shoes Office Party Wedding Italian Design Patent Shiny Black moccasin Callaghan Brown Dark Skin 88201 URSO - , Salomon Men’s Speedcross 4 GTX Trail Running Shoes Blue (Medieval Blue / Acid Lime / Graphite 000) , Salomon Men’s Speedcross 4 GTX Trail Running Shoes Multicolour (Hawaiian Surf/Black/Scarlet Ibis 000) , Minitoo Boy s Men s Moccasins Toe Slip-on Spring Loafers Black , Dek Mens Twin Gusset Casual Yachting Shoes Navy Blue , Nike Stefan Janoski Max, Unisex Adults Low-Top Sneakers Blue (Photo Blue/White-black) Melvin & Hamilton Driver 4, Men’s Mocassins Brown (Suede/Arancio/Rs Honey) , Geox Men’s Snake Moc 20 Moccasin, Blue, 13 D(M) US Beige (Taupe C6029) Xianshu Retro Brogue Ankle Boots Casual Laces Up Shoes Black cotton , Sioux Marcel Men s Classic Half Shoe Brown (Palisander) , Lico Workman, Men’s Safety Shoes Grey (Grau/Silber) Stanley Mens Tradesman Lace Up penetration Resistant Safety Boots Honey , Summer Slippers Sandals And Slippers Beach Slippers Men Fashion Flip Flops,Blue,42 - Valsport Men s Cortino High Brogue Black - Black Vans Unisex Adults’ Sk8-Hi MTE Trainers Grey (Mte/ Rabbit/Frost Gray) Cofra TA000-000.W45 Work Shoes,Mercurio, Size 10.5, 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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FRETZ Black men FRETZ Men’s Derbys, Andrew Derbys, Black - 06f1613 - 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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FRETZ Black men FRETZ Men’s Derbys, Andrew Derbys, Black - 06f1613 - 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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