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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
TOMS Women Women B076Q8V2MH s 18048 Classics Gray (Ash) 0fc9dfa - 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
TOMS Women Women B076Q8V2MH s 18048 Classics Gray (Ash) 0fc9dfa - 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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TOMS Women Women B076Q8V2MH s 18048 Classics Gray (Ash) 0fc9dfa - 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.

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TOMS Women Women B076Q8V2MH s 18048 Classics Gray (Ash) 0fc9dfa TOMS Women Women B076Q8V2MH s 18048 Classics Gray (Ash) 0fc9dfa - 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
TOMS Women Women B076Q8V2MH s 18048 Classics Gray (Ash) 0fc9dfa - 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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TOMS Women Women B076Q8V2MH s 18048 Classics Gray (Ash) 0fc9dfa - 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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TOMS Women Women B076Q8V2MH s 18048 Classics Gray (Ash) 0fc9dfa - 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
Hush Puppies Men’s Runner Slip on Moccasins Brown (Brown) Shoe Tree Comfort Leather Moccasins Slip On Ladies Loafers Comfortable Comfort Shoes Flat Loafer Nautical White , Kick Footwear Men s High Quality Leather Desert Boots Smart Casual Brogue Ankle Shoes Tan , Mens Suede Chelsea Boots Italian Style Smart Casual Desert Dealer Ankle Shoes Red , Bugatti Men’s F06671 Moccasins, Blue (Navy 423), 6 UK Brown (Cognac 644 644) XUE Men s Shoes Microfiber Spring Summer Breathable Loafers & Slip-ONS Driving Shoes Casual Comfortable Shoes Party B SPEEDEVE Men s Casual Loafers Retro Slip-On Driving Shoes Handmade Leather Flats Shoes Khaki Women Men Awesome 3-in-1 Lightweight Athletic Rome Sneaker Shoes Dark Blue I , SPEEDEVE Men s Casual Loafers Retro Slip-On Driving Shoes Handmade Leather Flats Shoes Gold WALK-LEADER Mens Simple Comfortable Moccasins Wide-fitting Slip On Boat Loafers Shoes Blue , Cosyfeet James Shoes - Extra Roomy (HH+ Width Fitting) Brown Elastane / Polyester Converse Unisex-Adult Chuck Taylor All Star Core Ox Trainers Engine Smoke/Khaki , Sioux Men’s Gilles Moccasins, Brown Brown (Cognac 003) , Minitoo Boy s Men s Soft Sole Synthetic Comfortable Slip-on Loafers Light Brown , Rossellini Mens Patent Shiny Shimmer Tassel Loafers, Leather Lined Brogues Wedding Shoes Fancy Dress Party Shoes. Black White Silver Red. Bronze , Minitoo Boy s Men s Stripe Rhombus Casual Fashion Penny Loafers Brown Lapens Men s Casual Flat Loafers Fashion Slip On Driving Shoes Black Sebago Docksides, Men s Boat Shoes Beige (Sand Suede) , Journey West Men s Vintage Velvet Loafers with Embroidery Loafers Men Smoking Slippers Men Black/Red/Blue Badge Blue , NBWE New Leather Shoes Business Formal Men s Shoes British Casual Buttoned Low Shoes Brown Minitoo Boy s Men s Chelsea Style Stitching Slip-on Spring Loafers Beige , Base London Men s Era MTO Leather Slip Ons , Clifford James Mens Womens Very Wide Genuine Leather Shoe Slipper with Easy Wrap Around Touch Fasten Fit and Soft Comfortable Upper In Black and Brown. Black Minitoo Boy s Men s Soft Slip-on Round Toe Casual Spring Loafers Brown , Sebago Docksides, Men s Boat Shoes Brown (Brown Leather / White O / Sole) Minitoo Boy s Men s Retro Slip-on Stitched Casual Loafers Green , ECCO Cairo, Men’s Loafers Black (Black1001) , Hotter Men’s Camden Loafers Brown (Dk Brown) , Minitoo Boy s Men s Classic Digit Print Casual Daily Loafers Brown
TOMS Women Women B076Q8V2MH s 18048 Classics Gray (Ash) 0fc9dfa - poyigut.site DC Men’s Trase Tx Low-Top Sneakers - , TED Baker Mens KLEMES Trainers - , Nike Men’s Mercurial Victory V FG Football Boots (Training) - , Amblers Safety FS29C Mens Safety Trainers Black Kappa Unisex Adults’ Tray II Sun Trainers - Mercanti Fiorentini Men s Fashion Sandals - Versus Logo High Top Trainers Black 9 UK - Teva Men s Hurricane Xlt M s Sandal - Crosshatch New Electra Mens Designer Hi Top Light Weight Trainer Shoes - Size UK9, EU43 - Catbalou Men s Espadrilles Blue Blue - , Hi-Tec Silver Shadow II, Unisex-Adults Multisport Outdoor Shoes Grey (Silver/Grey) , Clarks Gambeson Dress, Men’s Brogue - , Asics Men’s Gel-Nimbus 20 Running Shoes Black (Black/White/Carbon 9001) , Scruffs Switchback Safety Hiker Work Boots (Various Colours) - Glagla Unisex Adults’ Playa Beach & Pool Shoes - Waterproof Neoprene Wellington muck Boots walking fishing riding thermal - SPROX Mens Brown Sporty Lace up Casual Shoe - , Di Mella Men s Moccasins/Loafer Suede (5,5 UK/39,5 EU, Beige) - , Converse Men s Trainers grey grey grey Size: 11.5 UK - adidas Men’s Jazz and Contemporary Grey (Carbon / Carbon / Negbás 000) , Soulsfeng Trainers Men s Women s Sport Shoes Lace up Running Shoes Cushioning Breathable Fabric Mesh Black and Red Flat Shoes Black Soulsfeng Trainers Men s Women s Sport Shoes Lace up Running Shoes Cushioning Breathable Fabric Mesh Black and Red Flat Shoes White , Minitoo Boy s Men s Soft Sole Synthetic Comfortable Slip-on Loafers Black Think! Men’s Stone_282612 Brogues Blue (Navy/Kombi 88 Navy/Kombi 88) , Soulsfeng Trainers Men s Women s Sport Shoes Lace up Running Shoes Cushioning Breathable Fabric Mesh Black and Red Flat Shoes White Botia Men Retro Lace up Style Shoes Ventilation Trend Sneakers Brown Rieker 15265 Loafers & Mocassins-Men, Men’s Loafers Grey - Grau (Anthrazit/Cement/Vapor / 46) Mephisto Men s Fashion Sandals Black Dilize Men s Outdoor Business Lace up Oxford Shoes in Leather Black CCZZ Men Women Summer Breathable Clogs Shoes Slip on Beach Sandals Mesh Aqua Shoes Casual Slippers Water Shoes Amphibious for Unisex Red1 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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TOMS Women Women B076Q8V2MH s 18048 Classics Gray (Ash) 0fc9dfa - 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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TOMS Women Women B076Q8V2MH s 18048 Classics Gray (Ash) 0fc9dfa - 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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