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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
Naturino Naturino Yukon, 13947 Baby Girls’ Baby Walking Baby Shoes - e73a202 - 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
Naturino Naturino Yukon, 13947 Baby Girls’ Baby Walking Baby Shoes - e73a202 - 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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Naturino Naturino Yukon, 13947 Baby Girls’ Baby Walking Baby Shoes - e73a202 - 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.

Naturino Naturino Yukon, 13947 Baby Girls’ Baby Walking Baby Shoes - e73a202

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Naturino Naturino Yukon, 13947 Baby Girls’ Baby Walking Baby Shoes - e73a202 Naturino Naturino Yukon, 13947 Baby Girls’ Baby Walking Baby Shoes - e73a202 - 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
Naturino Naturino Yukon, 13947 Baby Girls’ Baby Walking Baby Shoes - e73a202 - 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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Naturino Naturino Yukon, 13947 Baby Girls’ Baby Walking Baby Shoes - e73a202 - 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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Naturino Naturino Yukon, 13947 Baby Girls’ Baby Walking Baby Shoes - e73a202 - 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
TBS Men’s Requin Open Toe Sandals, Black - , Sunny&Baby Men s Formal Business Shoes Smooth Breathable Hole PU Leather Splice Slip-on Lined Oxfords Abrasion... - Fitflop Trakk II D0050 Khaki Leather Slippers Man infardito Adjustable Tear - WKNBEU Men s Leather Brown Black Sandals 2018 Summer New Platform Leisure Slippers Youth Peep Toe Beach Shoes - Rossellini Hackney Men Shoes Black White Nubuck Leather Lined Pointed Wedding - , ECCO Men’s Kenton Classic Boots - LEWER NL 78 Men s S3 Safety Shoes - , PUMA Men s Wild Plus Athletic Sandal, Peacoat-Blue Danube, 12 M US - , Leather Case for Sony Xperia L2,Sony Xperia L2 Flip Case,EUWLY [Butterfly Tree Flower Cat Pattern] Ultra Slim... - , PORTWEST FW32 Steelite™ Constructo Nubuck Work Boot S3 Honey FW32HO-R43 - , Men s Dockers, Sinclair - , Calden K28802-3 inches Taller - Height Increasing Elevator Shoes-Black Wing-tip Ankle Boots - , Kick Footwear Mens Cowboy Western Ankle Suede Leather Boots Pull On Cuban Heel - , Cofra Woodsman 25580-000 Safety Boots - Wrangler Grinder Mens Black Leather Pull On Chelsea Ankle Boots Size UK 6-12 - Rieker 08956 Loafers & Mocassins-Men, Men’s Loafers - , Mens New Black Leather Lined Formal Fashion Shoes Sizes UK 6 7 8 9 10 11 12 13 - Regatta Hardwear Unisex Defence S1P Safety Trainers - DULEE Unisex Clogs Hollow Out Sandals Slippers Beach Shoes,Blue+Green 37 - , Cofra 78800-001.W45 Size 45 S1 P SRC Fluent Safety Shoes - Black - , Men s Timberland Earthkeepers Shoe - , Mens Grey and Black Triple Touch Fastening Trail Shoe - Ascend - Grey/Black - size UK Mens Size 10 - , Fischer Girls’ Boogy Slippers - , Karrimor Mens Sprint Low Shoes Outdoor Walking Trekking Hiking Lace Up Vibram - XYNXKZ Men s Lace Casual Business British Comfortable Driving Outdoor Leather Shoes - Sperry Top-Sider A/O 2 Eye Mens Boat Shoes - Red Tape Men s Glaven Black Formal Boot - Genware NEV-0815-11 Toffeln Ezi-Klog, Size 11 - Meijunter Men Black Breathable Beach Shoes Flats Slippers Comfort Cool Sandals Sports Soft - ,
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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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Naturino Naturino Yukon, 13947 Baby Girls’ Baby Walking Baby Shoes - e73a202 - 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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Naturino Naturino Yukon, 13947 Baby Girls’ Baby Walking Baby Shoes - e73a202 - 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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