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

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Securing Your Retirement Income
Clarks 15130 Originals - Men’s Desert Boots Men’s - 22fc161 - 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
Clarks 15130 Originals - Men’s Desert Boots Men’s - 22fc161 - 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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Clarks 15130 Originals - Men’s Desert Boots Men’s - 22fc161 - 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.

Clarks 15130 Originals - Men’s Desert Boots Men’s - 22fc161

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Clarks 15130 Originals - Men’s Desert Boots Men’s - 22fc161 Clarks 15130 Originals - Men’s Desert Boots Men’s - 22fc161 - 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
Clarks 15130 Originals - Men’s Desert Boots Men’s - 22fc161 - 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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Clarks 15130 Originals - Men’s Desert Boots Men’s - 22fc161 - 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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Clarks 15130 Originals - Men’s Desert Boots Men’s - 22fc161 - 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
Cofra Safest S5 CI SRC Safety Boots – Size 44 Green - , CFP 8088 Mens All Season Loafers Casual Leisure Affectionate Comfy Smart Driving Leather Sneakers Brown UK Size... - Timberland Ek Hookset Camp FTM_Canvas Slip on, Men’s Low-Top Sneakers - Asics Men’s Gt-2000 4 Running Shoes, Blue, 15 UK - Trussardi Jeans Men s Trainers Black Black - , Clarks London Map Gore-Tex® Leather Shoes in Black - , Vibdiv Men s Lightweight Casual Loafers Multisport Trainers - , Ruanyi Men Loafers Shoes, Simple Design Genuine Cowhide Leather Upper Slip-on Flat Sole Loafer for Gentlemen - , Ascot Mens Orleans Strap wf Aw13 Active Trainer - G. H. Bass Mens Weejuns Larson Moc Penny Leather Shoes - , Dr. Martens Dm 8 Eye Lace Boots Black Leather - 10 UK - adidas Men’s Stan Smith Mid Sneaker Turtleneck, White - Qianliuk Men Beach Casual Slippers Mens Flip Flops Summer Sandals Men - Giasco AC057N45 Size 45 S3 Denver Lace-Up Boots - Black/Grey - , Grisport GRS966-47 Wetland Waterproof Safety Boots, Size: 47, Brown (Pack of 2) - Cafè Noir RR601 Polish laces nauk - , New Rock Newtrail Vintage Floral Patterned Black and Purple Gothic Rock Ladies Boots - , Dek Mens Superlight Comet Shock Absorbing Running Trainers - Hummel Unisex Adults’ Slimmer Stadil Duo Oiled Low Trainers, Coal/Grey - , MET RXL Lazy summer men pedal shoe/leisure shoes/Board shoes - , Merrell Capra Rise Mid Waterproof Trail Hiking Boots - Robelli Men s Formal Black Patent Leather Slip On Loafer Shoes - Style 006 - Authentic Havaianas Flip Flop/Thong/Sandal Brasil Logo, for Men & Women. Unisex, Navy Blue. (UK 6/7) - Beco Pantoletten Mules - Freewaters Men’s Treeline Flip-Flop - MUYII Men s Oxfords Dress Leather Shoes For Men Brogue Lace-up Plain Toe Formal Business Shoes Casual Mens Comfortable... - Black Hammer Mens Leather Safety Waterproof Boots S3 Steel Toe Cap Work Shoes Ankle Leather 7777 - , Dearfoams Men s Moccasin Slip-On Loafer - , Best Choise Men s Shoes Lace Up Chain Decoration Leather Upper Mid Calf Combat Martin Boots For Gentlemen Run... - ,
Clarks 15130 Originals - Men’s Desert Boots Men’s - 22fc161 - adidas Cloudfoam 8Tis, Men s Running Shoes - Boot Rubber High italboot 80500, 42 - WSK Men s leather shoes, pointed toe casual shoes, breathable snake-shaped men s low shoes, fashion leather shoes - , Boost YZ350-2 Men s Training Sneaker Performance Men s Running Shoe+350 v2 Simple Sneaker Bag - , SAFETOE Light Weight Safety Trainers for Men- L7328 Leather Safety Trainers Work Shoes Boots for Men and Women... - Keen Westward Mid Waterproof Walking Boots - AW17 - , PAKERSON Men s 14004127 Yellow Leather Ankle Boots - , Karrimor Taransay Mid Weathertite - Nike Unisex Adults’ Benassi Swoosh Flip Flops - DOUCAL S Men s Loafer Flats multicolour multi-coloured - , Dockers by Gerli Unisex Kids’ 40tw601-637666 Gladiator Sandals - Puma Unisex Adults’ Tatau Fur Boot 2 Low-Top Sneakers - Sesame Street Monster T-Shirt Male Royal - S - , Piup Men s Women s Unisex Sneaker Quick Drying Mesh Upper Water Shoes. Grey Asics Men’s Gel-Beyond 5 Volleyball Shoes, Yellow - , Tufanyu Men s Classic Flip Flops Lightweight Soft Outsole Comfortable - , Oxypas SonicJ4001egn Sonic Extremely Light SRC Clog - Mens Suede Leather PU Black Brown Hiking Walking Casual Work Jeans Boots Laced - Brown, - , Lowa Men’s Renegade III GTX High Rise Hiking Boots - Converse Unisex Babies’ Chuck Taylor CTAS Hi Canvas Slippers, Blue (Hyper Royal/Bright Poppy/White 483), 4 UK... - Clarks Unbizley Plain, Men’s Derbys Black (Black Leather) Yuncai Autumn Men Causal Shoes Breathable Cozy Lace Up Shoes Flats Large Size Brown2 Mens / Boys / Youths DEK VENUS III jogger / trainers White/Grey/Navy G.H. Bass & Co. Men s Weejuns Layton Kiltie Moc II Wine Leather Loafers Robusta-Anatomic Shoe Carmen Ind S2 White , The Workplace Depot Reliable High Quality Comfort Safety Waterproof Protective Boots Black Manufactured from Leather - 7" - , Japanese Sports Jog Split Toe Shoes White Lee Cooper Workwear Baseball, Men s Safety Shoes, Blue, 10 UK (44 EU) Navy , Timberland Men’s Stormbuck Pull-on Chelsea Boots Black (Black) NEWROCK New Rock 272-S1 METALLIC BLACK GOTH KNEE HIGH ZIP LEATHER BUCKLE BOOTS - 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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Clarks 15130 Originals - Men’s Desert Boots Men’s - 22fc161 - 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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Clarks 15130 Originals - Men’s Desert Boots Men’s - 22fc161 - 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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