ECCO - Men’s 11946 Ian Ian Derbys - cd49d7e -
Go To Retirement

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

You are here: Home
Securing Your Retirement Income
ECCO - Men’s 11946 Ian Ian Derbys - cd49d7e - 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
ECCO - Men’s 11946 Ian Ian Derbys - cd49d7e - 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…]

ECCO - Men’s 11946 Ian Ian Derbys - cd49d7e - 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.

ECCO - Men’s 11946 Ian Ian Derbys - cd49d7e

[Continue Reading…]

ECCO - Men’s 11946 Ian Ian Derbys - cd49d7e ECCO - Men’s 11946 Ian Ian Derbys - cd49d7e - 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
ECCO - Men’s 11946 Ian Ian Derbys - cd49d7e - 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…]

ECCO - Men’s 11946 Ian Ian Derbys - cd49d7e - 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…]

ECCO - Men’s 11946 Ian Ian Derbys - cd49d7e - 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
TOMS Unisex Kids Alpargata Core Espadrilles - , 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 -
ECCO - Men’s 11946 Ian Ian Derbys - cd49d7e - BECKETT CORP. Beckett Mens Brown Sporty Lace up Shoe - , Converse Unisex Kids’ One Star Ox Gym Red/White Trainers - Diadora 161885 Sneakers Uomo Marrone 43 Caffe , HN Shoes Men s Wedding Shoes Bullock Dress Lace up Black Stone Pattern Formal Business Leather Oxford for Men... - Vans Authentic, Unisex Adults Low-Top Sneaker Red , Joya Pablo Herren Pantoletten - , Maverick Mens Canvas Shoes - Black Textile - UK Size 12 - EU Size 46 - US Size 13 - , PADGENE Mens Casual High Top shoes Lace Up Trainers Sports Shoes Ankle Boots - , Havaianas Flip Flops Kids Brasil Logo White 0001 , Nike Men’s Air Max Motion Lw Prem Gymnastics Shoes, Black - , Sunny&Baby Men s Formal Business Shoes Smooth PU Leather Splice Upper Lace up Breathable Lined Oxfords Abrasion... - , Reebok Classic Leather, Men s Training Running Shoes Black (Intense-black/Gum 0) Globe Men s The Eagle SG Skate Shoe, Black/White/Tan, D(M) US Tobacco , Asics Gel-Lyte V Adult s Sneakers (H6Q4L) - , Lloyd Men’s Hanno Ankle Boots, Brown, 7 UK - adidas Original Box is Slightly Damaged - , OEMPD Men s Casual Leather Shoes Big Shoes Vintage Round Work Shoes - Teva Men’s M Original Universal-Urban Open Toe Sandals, Black, D(M) - Sendra Men s Rider Motorcycle Boot - , Town & Country WFW506 EVA Cloggies Green - , Cotton Traders Men s Women s Suede Driving Flexible Sole Flat Loafer Shoes Watermelon 6 - Merrell Men’s J12553 Fitness Shoes Green (Acid Cyan Acid Cyan) Lottusse L6710, Men’s Derbys Black (Jocker P. Negro) , Josef Seibel Men’s Rudi 31 Derbys Brown - Braun (Moro/Weiss 337) , SEVENZAI Men s Italian Pointed Toe Lace-UPS Leather Oxfords Shoes For Men Red Converse Unisex Adults’ Chuck Taylor All Star Women s Canvas Trainers Charcoal Fangsto Men s Classic Suede Leather Oxfords Flats Shoes Lace-UPS Blue fankou A large number of anti-skid slippers male summer beach shoes tide men s sandals personality cool drag and,42,D-2 black - , Dr. Martens 1490 Original Unisex Adult Ankle Boots Red (Cherry Red) Frye Mens Officer Lace up Fatigue 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…]

ECCO - Men’s 11946 Ian Ian Derbys - cd49d7e - 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…]

ECCO - Men’s 11946 Ian Ian Derbys - cd49d7e - 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…]

ECCO - Men’s 11946 Ian Ian Derbys - cd49d7e -

More Posts for Baby Boomer Info