New Balance Men’s 775v3 19993 Balance Training 775v3 Running Shoes - 0f838f8 - poyigut.site
Go To Retirement

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

You are here: Home
Securing Your Retirement Income
New Balance Men’s 775v3 19993 Balance Training 775v3 Running Shoes - 0f838f8 - 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.

[Read More…]

Retirement Planning for Baby Boomers
New Balance Men’s 775v3 19993 Balance Training 775v3 Running Shoes - 0f838f8 - 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.

[Continue Reading…]

New Balance Men’s 775v3 19993 Balance Training 775v3 Running Shoes - 0f838f8 - 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 775v3 19993 Balance Training 775v3 Running Shoes - 0f838f8

[Continue Reading…]

New Balance Men’s 775v3 19993 Balance Training 775v3 Running Shoes - 0f838f8 New Balance Men’s 775v3 19993 Balance Training 775v3 Running Shoes - 0f838f8 - 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.

[Continue Reading…]

More Posts About Retirement Planning

Investing for Retirement
New Balance Men’s 775v3 19993 Balance Training 775v3 Running Shoes - 0f838f8 - 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.

[Read More…]

New Balance Men’s 775v3 19993 Balance Training 775v3 Running Shoes - 0f838f8 - 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.

[Read More…]

New Balance Men’s 775v3 19993 Balance Training 775v3 Running Shoes - 0f838f8 - 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.

[Read More…]

More Posts About Investing for Retirement

Info for Baby Boomers
Lloyd Men s Loafer Flats Blue Blue 8.5 - Magnum Unisex Protector ST Work Boot - , Fabric Mens Mercy Slip On Trainers Sneakers Shoes Flats Loafers Casual - Grafters Mens S3 SRC Leather Waterproof Safety Boots Brown - , CFP 8327 Mens Slip-on Studden Casual Loafers Driving Flannel Sneakers Yellow UK Size 6.5 - Vans Milton M, Men’s Sneakers - , Nike Zoom Stefan Janoski, Men’s Closed-Toe - Lacoste Marcel CSU2 SPM - Osiris Men s Skateboard Shoes D3 2001 - , Vans 106 Vulcanized Sneaker Black / Chili Pepper - Art Men’s Soma Boots - , Cheiw 47085, Girls’ Sandals - La Sportiva Bushido Trail Running Shoes - SS18 - Skechers Men Navy Rough Cut Trainers - Gola Men’s Coaster Linen Low-Top Sneakers - Cetti C1092, Men s Shoes with Removable Insole, Blue Suede - nike SB stefan janoski MID PRM mens hi top trainers 642061 sneakers shoes - , Timberland Earthkeepers Mens Original Casco Bay Oxford Lightweight Footwear - , Bovake Barefoot Shoes, Lovers Couple Shoe Unisex Hollow Out Casual Couple Beach Sandal Flip Flops Shoes One Foot... - adidas Girls’ Altarun K Training Shoes - , adidas Unisex Adults’ Duramo Slide Beach and Pool Shoes - Diadora Kuruka 2, Men’s Competition Running Shoes, Black (Nero/Argento), 10 UK (44.5 EU) - , Nike Men’s Tiempo Legend VI FG Football Boots, Gris - , Dunlop Mini Children s Boots, Without Steel Toe - K131514/K131510 - , Rieker Mens 30410 Desert Boots - , Blend He Grey Orange White Mens New Trainers Shoes - , Jordan Women s Espadrille Flats - , 5.11 Men s Skyweight RapidDry Boots Dark Coyote size 11 UK / 12 US - , Cofra Safest S5 CI SRC Safety Boots – Size 9 – Blue -
New Balance Men’s 775v3 19993 Balance Training 775v3 Running Shoes - 0f838f8 - poyigut.site Timberland Northpack Sf Lt Forged Iron 41 EU (7.5 US / 7 UK) - Levi s Men’s Gilmore Trainers Blue (Navy Blue 17) Hummel Unisex Adults’ Nordic Roots Hike Hi-Top Trainers Beige (Appel Cinnamon) Dunlop Mens Indoor Squash Shoe Mens Black/Charcoal 9.5 - , UMmaid Water Aqua Shoes Quick Drying Beach Swim Shoes for Pool Dive Surf Yoga - , DC Shoes Boys’ Open Toe Sandals - , Superga Unisex Adults’ 2750 Cotu Classic Low-Top Sneaker, White Black (996) , Superga Unisex Adults’ 2750 Cotu Classic Low-Top Sneaker, White Pink (Azalea) Agility Advance Dike Work Shoe S3 SRC Safety Shoes Black - , Hugo Men’s Post_Tenn_ltem Trainers, Black - Men Shoes Genuine Leather Formal Metal Toe Show Nightclub Brogue Printing Flower DJ Size 38To 45 - Prada Men s 2DB082 Leather Business Shoes - , Flossy Men White Canvas Arnedo Slip-On Trainers - , Easy Go Shopping Leather Shoes, Men s Leather Shoes Classic Formal Height Increasing 6cm Breathable Business Oxfords... - wdxie Men s Flip-Flops Beach Sandal for Male Outdoor Leisure Light Design Comfortable Waterproof Non-slip Slippers... - Calden K288011-3 inches Taller - Height Increasing Elevator Shoes-Brown Lace-up Ankle Boots - , Buxa Men s/Women s Unisex Natural Leather/Wooden Clogs With Padded Upper - , Pablosky Boys’ 584440 Open Toe Sandals - BOLOG Kid s/Men Football Trainers Boots High Top Boy s Outdoor Sneakers Teenagers Training Sports Professional... - , Salomon Men’s Speedcross 4 GTX Trail Running Shoes Blue (Medieval Blue / Acid Lime / Graphite 000) , JOJONUNU Men Casual Loafers Shoes Brown , Geox U Danio C, Men’s Derby Lace-up Blue (Dk Navy) Crocs Unisex Adult Classic Mules Blue (Tropical Teal) Reef Men’s Journeyer Sandal Black Crocs Unisex Adults Bistro Pro Clogs White (White) Jomos 504609 Mens Sandals Black Steel Toe Safety Shoes, LM-123 Mens Breathable and Light Weight Anti-Smashing Work Trainers,Black & Red,8 UK Royal Blue , NiNE CiF Men s Beach Pool Flip Flops Summer Rubber Thong Sandals Black 2 Fly London Men’s Hobi813fly Chelsea Boots Brown (Brown) , Vans Unisex Baby Old Skool V Sneakers Multicolour (Black/Blue Depths Checkerboard) 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.

[Read More…]

New Balance Men’s 775v3 19993 Balance Training 775v3 Running Shoes - 0f838f8 - 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.

[Read More…]

New Balance Men’s 775v3 19993 Balance Training 775v3 Running Shoes - 0f838f8 - 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.

[Read More…]

New Balance Men’s 775v3 19993 Balance Training 775v3 Running Shoes - 0f838f8 - poyigut.site

More Posts for Baby Boomer Info