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

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Securing Your Retirement Income
Heelys - Men Heelys s Propel Propel 2.0 Fashion Sneaker - b8d085c - 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
Heelys - Men Heelys s Propel Propel 2.0 Fashion Sneaker - b8d085c - 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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Heelys - Men Heelys s Propel Propel 2.0 Fashion Sneaker - b8d085c - 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.

Heelys - Men Heelys s Propel Propel 2.0 Fashion Sneaker - b8d085c

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Heelys - Men Heelys s Propel Propel 2.0 Fashion Sneaker - b8d085c Heelys - Men Heelys s Propel Propel 2.0 Fashion Sneaker - b8d085c - 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
Heelys - Men Heelys s Propel Propel 2.0 Fashion Sneaker - b8d085c - 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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Heelys - Men Heelys s Propel Propel 2.0 Fashion Sneaker - b8d085c - 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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Heelys - Men Heelys s Propel Propel 2.0 Fashion Sneaker - b8d085c - 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
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Heelys - Men Heelys s Propel Propel 2.0 Fashion Sneaker - b8d085c - poyigut.site Cofra 36290-000.W44 Size 44 S3 SRC Nordic Safety Shoes - Black - , Ejendals 3325-37 Size 37" Jalas 3325 Drylock Safety Boots - Black/Grey/Red - , Kappa MAVOS, Men’s Low-Top Sneakers - adidas Vlcourt, Men s Trainers Blue (Collegiate Navy/Footwear White/Power Red) , Men s Business Shoes, Classic Modern Leather Lace up Oxford Dress Shoes,Wedding Fashionable Office Floral Vintage... - , Unze New Men Bradon Casual Thong Flip Flop Slippers Beached Sandal and Summer Outdoor Size-8 UK ,Brown - Dude Shoes Men s Farty Washed Navy Slip On/Mule - NEWROCK NR M.1473 V2 Brown - New Rock Vegan Boots - Unisex - MOMA Men s Loafer Flats black black - , adidas Mens NMD_R1 PK Primeknit Sesame Running Trainers AQ0929 - Skechers Men’s 51509 Moccasins Black (Black/White) , 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 Lakeland Active Kid s Eden Aqua Shoes White/Purple , Skechers Flex Advantage 2.0, Men Outdoor Multisport Shoes Navy Blue Gola Men’s Angelo Running Shoes - Sanitella Anatomical Clogs Wood/Leather No 011 44 - Ipanema Arpoador to, Men s Flip Flops - Givenchy Men s BH000TH01Q004 White/Black polyamide Ankle Boots - Lacoste Men’s Explorateur Sport 217 1 Low - LEDLFIE Men s Shoes Fashion Pointed Lace Leather Crocodile Pattern Men s Leather Shoes - , ALUK- Spring and summer - small white shoes men s casual fashion shoes (Color : White, Size : 43-foot length 265mm) - , Bugatti Men’s 312311021100 Derbys, Blue Blue (Dark Blue 4100) , adidas Originals Unisex Adults’ Stan Smith Low-Top Sneakers white metallic silver S80342 Vibdiv Men s Lightweight Casual Loafers Multisport Trainers Grey , Summer student flip flops, men slip slip feet, rubber outdoor casual beach slippers blue , Grunland CB0185 Slippers Man Blu , Bugatti Men’s 311376041100 Derbys, Cognac Brown (Cognac 6300) , oxford leather shoes steel toecap 6 - workwear ppe - shoes - MACHO UNDEWEAR Men s Thong White Clarks Mens Stinson Hi New Color Dark Brown Leather 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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Heelys - Men Heelys s Propel Propel 2.0 Fashion Sneaker - b8d085c - 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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Heelys - Men Heelys s Propel Propel 2.0 Fashion Sneaker - b8d085c - 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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