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

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Securing Your Retirement Income
New Balance Men’s New 996 Leather Trainers Trainers Blue Balance (Navy) 9a89c5d - 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
New Balance Men’s New 996 Leather Trainers Trainers Blue Balance (Navy) 9a89c5d - 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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New Balance Men’s New 996 Leather Trainers Trainers Blue Balance (Navy) 9a89c5d - 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.

New Balance Men’s New 996 Leather Trainers Trainers Blue Balance (Navy) 9a89c5d

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New Balance Men’s New 996 Leather Trainers Trainers Blue Balance (Navy) 9a89c5d New Balance Men’s New 996 Leather Trainers Trainers Blue Balance (Navy) 9a89c5d - 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
New Balance Men’s New 996 Leather Trainers Trainers Blue Balance (Navy) 9a89c5d - 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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New Balance Men’s New 996 Leather Trainers Trainers Blue Balance (Navy) 9a89c5d - 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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New Balance Men’s New 996 Leather Trainers Trainers Blue Balance (Navy) 9a89c5d - 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
Converse Men’s Auckland Racer Ox Sneakers Red (Maroon/Maroon/Natural) Kickers Slayer, Men’s Low-Top Sneakers Blue (Navy) , Supra Cuba, Unisex Adults Low-Top Trainers Schwarz (Black - White 002) , Palladium Men’s Pallabrousse Baggy Homme Hi-Top Trainers, Grey Beige (Sahara/Ecru F90) , Rockport Men s Style Purpose Wing Tip Oxford Dark Bitter Chocolate ECCO Men’s Jack Low-Top Sneakers Black (Black2001) , Geox Men’s U Damocle a Derbys Rot (Burgundyc7016) Nike Air Max 1 (Gs), Men’s Trainers Dark Grey Granite Black , Vans Authentic, Unisex Adults Low-Top Sneaker Black (Vintage Aloha - Black/True White) , Nike Roshe One Print, Men’s Sandals Multi (Iguana/Iguana-black) Saucony Men’s Shadow Original Trail Running Shoes Black (Black) , adidas Women’s Superstar 80S Metallic Pack Low-Top Sneakers Light Grey Asics Mens Gel-Kayano® 24 (2E) Shoes Silver/Black/Mid Grey Skechers Gowalk Max Mens Slip-on Trainer Blue (Navy/Gray) DC Shoes Plaza TC S - Black/Athletic Red black/athletic red , Supra Estaban Shoes - Black / Gum Black Ted Baker Men’s Quana Sneaker White , Geox Men’s U Box D Low-Top Sneakers, Brown Grau (Taupe/Anthracite) , Vans Sk8-Hi, Unisex-Adults High-Top Trainers Brown Puma Men’s Ignite Limitless Knit Sneaker, Black, D(M) US Tibetan Red/Puma Silver Skechers Men’s Recent-Merven Trainers Black (Black) , Leomil Fashion Boys’ Kids High Sneakers Hi-Top Trainers Mehrfarbig (C.Blue/L.Grey/D.C.Blue) adidas Men’s B345 Running Mehrfarbig (Light Onix/Light Onix/Ftwr White) , Adidas Originals Tubular Shadow Mens Running Trainers Sneakers Brown Off White Bb6476 ZOCAVIA Trainers for Men Ultra Lightweight Running Shoes Gym Walking Sports Sneakers , Fly London Men’s Serf114fly Trainers Black (Black) , Ishikawa Unisex Adults’ 1239 Hi-Top Trainers White (Bianco 1239) Dr. Martens Men’s Crewe Open Toe Sandals Blue (Dms Navy 417) , Vans Unisex SK8-Hi Suede Trainer green ,
New Balance Men’s New 996 Leather Trainers Trainers Blue Balance (Navy) 9a89c5d - poyigut.site Meindl Men’s Air Revolution Ultra High Rise Hiking Shoes - Men winter outdoor waterproof Non-slip High rise lace-up traveling trekking hiking climbing shoes/ snow boots - , Nike Lunar Hyperquickness Basketballschuhe, Men’s Basketball Shoes SPACE BLUE/WOLF GREY/RIFTBLUE/BT MANGO , Steve Madden Men s Hotshot Chukka Boot - John White Men s Leone Classic Italian Formal Moccasin Shoes - Salvatore Ferragamo Loafers Men - (FELIPE0660735) UK - , Superga Unisex Adults’ 2750 Cotu Classic Low-Top Sneaker, White Red (Scarlet S104) , Emerica The Romero Laced, Men’s Skateboarding - HUF Men s Dylan Slip on Skate Shoe, Black, 13 Nightshade , Nike Men’s Magista X Onda Ii Tf Football Boots - , Mens Loake Smart Slip On Shoes - Cavendish - , IceUnicorn Water Shoes Mens Womens Quick Dry Sports Aqua Shoes Unisex Swim Shoes with 14 Drainage Holes for Swim,Walking,Yoga,Lake,Beach,Garden,Park,Driving,Boating Black , 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 Blue Skechers Men’s 52125 Trainers Black (Black/White) , Muck Boots Men’s Arctic Excursion Mid Wellington Boots, Black - Skechers For Work 77032 Felton Resistant Relaxed-fit Work Shoe - Nike Boys Trainers - Harry Hall Hartford Zip Front Leather Jodhpur Boot - , Men s shoes FEIFEI Summer Stylish Simplicity Movement Mesh Breathable Wear-resistant Casual Shoes Lazy Shoes (... - TOMS Deconstructed Alpargata Rope Shoes Black - Solebay THEYDON Grey Mens Genuine Suede Leather/Canvas Casual Ankle Boot , CHAMARIPA Mens Black Leather Elevator Lace up Shoes with Height Increasing Insoles Taller 7.5CM/2.95 Inch-DX70H106S Ladies Nautical Leather Smart Loafer Tassel Moccasin Flat Slip On Comfort Shoe Size 3-8 Navy , lowwind Low Lemaitre Safety Shoe S3 SRC Noir-camel Grisport Men s Contractor S3 Safety Boots Brown Fluchos Men’s Sumatra Closed Toe Sandals Brown (Marron Café) Reef Men s Rover Flip Flops Black , US Brass EASTWOOD Mens Cuban Heel Ankle Western Leather Look Cowboy Boots Tan , Star Low Lemaitre Safety Trainers S3 SRC 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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New Balance Men’s New 996 Leather Trainers Trainers Blue Balance (Navy) 9a89c5d - 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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New Balance Men’s New 996 Leather Trainers Trainers Blue Balance (Navy) 9a89c5d - 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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New Balance Men’s New 996 Leather Trainers Trainers Blue Balance (Navy) 9a89c5d - poyigut.site

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