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

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Securing Your Retirement Income
Ted Baker Ted Men’s Quana Quana Sneaker Baker White cb3b11d - 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
Ted Baker Ted Men’s Quana Quana Sneaker Baker White cb3b11d - 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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Ted Baker Ted Men’s Quana Quana Sneaker Baker White cb3b11d - 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.

Ted Baker Ted Men’s Quana Quana Sneaker Baker White cb3b11d

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Ted Baker Ted Men’s Quana Quana Sneaker Baker White cb3b11d Ted Baker Ted Men’s Quana Quana Sneaker Baker White cb3b11d - 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
Ted Baker Ted Men’s Quana Quana Sneaker Baker White cb3b11d - 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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Ted Baker Ted Men’s Quana Quana Sneaker Baker White cb3b11d - 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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Ted Baker Ted Men’s Quana Quana Sneaker Baker White cb3b11d - 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
New Balance Men’s 574 Trainers Black (Black) Converse Ct Lean Ox Black Anthracite Nike Men’s Internationalist Lt17 Training Shoes, Grey, 7 Rush Red/Summit White-pure Platinum , Nike Men’s Air Max Vision Se Gymnastics Shoes Grey (Moon Particle/Vapste Grey/Ridgerock 201) , Rockport Men s Style Purpose Wing Tip Oxford Tan , Fly London Men’s Serf114fly Trainers Blue (Navy) , BOSS Business Men’s Legacy_Runn_Burs Low-Top Sneakers Blue (Dark Blue 401) , Armani Jeans Men’s 9350277p420 Trainers Black New Balance Men’s Mlazrv1 Sports Trainers Green (Forest Green) ECCO Transporter, Men s Oxford Shoes Black/Warm Grey (Black/Warm Grey54944) , Levi s Turlock, Men’s Low Trainers Blue (Navy Blue) , Puma Unisex Adults’ Tsugi Apex Evoknit Low-Top Sneakers, White Black (Puma Black-aquifer-puma White) , Skechers Mens Marauder Mershon Marauder Mershon Gray , Vans Unisex Adults’ ISO 1.5 Trainers Red ((Mesh) Crimson/True White Qkt) Skechers Vigor 2.0 advantage, Men’s Low-Top Navy , Converse All Star High Customized and Printed - handmade shoes - Italian Brand - Parrots Under Armour UA Curry 3 Low Mens Basketball Trainers 1286376 Sneakers Shoes grey grey red 289 Skechers Mens Marauder Mershon Marauder Mershon Charcoal Black Quiksilver Men’s Shorebreak Deluxe Sneakers Brown (Brown/Brown/Brown -Xccc Xccc) , ZOCAVIA Trainers for Men Ultra Lightweight Running Shoes Gym Walking Sports Sneakers Black-white , Vans Unisex Adults’ ISO 1.5 Trainers Red ((Mesh) Crimson/True White Qkt) , camel active Men’s Evo GTX 20 Trainers, Black Black (Black/Grey 1) Fred Perry Spencer Mesh Leather Porcelain White B1202254, Trainers Blanc Women Men Awesome 3-in-1 Lightweight Athletic Rome Sneaker Shoes Burgundy/White Puma Men’s Ignite Limitless Netfit Multi Sneaker Rock Ridge-whisper White Boxfresh Men’s Tonpe Trainers Braun (Braun) , Nike Men’s Air Max Prime Sneakers Multicolor (Midnight Navy/Photo Blue/Cool Grey) MBT Men s Ajabu M Trainers, Brown, Varies Brown (Coffee 04) , TOP10 AIR Max 97 OG Undftd Undefeated Black Speed Red Gorge Green Mens Womens Running Shoes 2018 New Fashion Shoes
Ted Baker Ted Men’s Quana Quana Sneaker Baker White cb3b11d - poyigut.site Ruiyue Leather Sneakers,Comfortable Flat Sport Shoes Casual Lace up Loafers Low Top Rubber Sole Fashion Design... - Tommy Hilfiger Men’s Y2285armouth 1b Low-Top Sneakers Blue (Tommy Navy) LOWA Boots Men’s Renegade GTX M Hiking Boots Black (Schwarz/Schwarz 9999) , Sandal Men s Outdoor Sports Magic Stick Beach Shoe Breathable Black Sandals (24.5-27.0) cm - adidas Men’s Superstar 80s Low-Top Sneakers White (Footwear White/Core Black/Core Black) Puma Men’s Tsugi Jun Sneaker Puma Black-puma White-mineral Yellow ZOCAVIA Trainers for Men Ultra Lightweight Running Shoes Gym Walking Sports Sneakers Red-white , Fly London Men’s Shya955fly Low-Top Sneakers - ECCO Inglewood, Men s Loafers - Puma Unisex Kids’ Smash Glitz Glamm V Inf Trainers, Pink - LEONARDO SHOES Men s 07169FORMA40FULLNERO Black Leather Monk Strap Shoes - Clarks Men s Keeler Step Slip-On Loafer - , Converse Unisex Kids’ CTAS Natural/Black/Egret Hi-Top Trainers, Natural/Schwarz/Egret - CROCS UNISEX SHOES CROCS BEACH - Keys 3073 Mocassins Man - , Danner Men s Portland Select Mountain Light Brawler Hiking Boot - , Amblers Safety Wellies Protective Toe Cap Wellington Work Boots UK 11 EU 45 Green - , Supra Mens S92134 Low-Top Sneakers - , Ruiyue Leather Beach Slippers,Summer Casual Breathable Perforation Closed Toe Non-Slip Soft Flat Sandals Shoes... - Giasco AC068DRM42 Size 42 S3 Iron RM Lace-Up Boots - Black - , Soulsfeng Trainers Men s Women s Sport Shoes Lace up Running Shoes Cushioning Breathable Fabric Mesh Black and Red Flat Shoes Black Lloyd Men’s Kelly Derbys Braun (Cognac 3) Clarks Unstructured Un.bend Casual Oxford Black , black fulham trainers - adidas Men’s Terrex Agravic Speed Trail Running Shoes, Black/White/Orange, 7.5 UK Orange (Arancione Energi/Energi/Negbas) Unisex mens womens Road Comp race shoe Road Bike shoes(Please choose a size up than usual) SD001-Road-Black/Red Men s Slip-On Penny Loafer Party Shoes Wedding Dress Work Formal Oxford Blue WYSBAOSHU Mens Flip Flops Casual Indoor & Outdoor Flip-Flops Beach Slippers Brown Dr. Martens Unisex Adults’ Newton Classic Boots Black (Black Temperley 001) Timberland Men’s Adventure 2.0 Cupsole Chukka Boots Dark Olive Roughcut 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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Ted Baker Ted Men’s Quana Quana Sneaker Baker White cb3b11d - 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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Ted Baker Ted Men’s Quana Quana Sneaker Baker White cb3b11d - 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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