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

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Securing Your Retirement Income
K-Swiss Men’s B00S1DH66Y - Baxter Trainers 5211 - 50770fe - 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
K-Swiss Men’s B00S1DH66Y - Baxter Trainers 5211 - 50770fe - 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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K-Swiss Men’s B00S1DH66Y - Baxter Trainers 5211 - 50770fe - 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.

K-Swiss Men’s B00S1DH66Y - Baxter Trainers 5211 - 50770fe

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K-Swiss Men’s B00S1DH66Y - Baxter Trainers 5211 - 50770fe K-Swiss Men’s B00S1DH66Y - Baxter Trainers 5211 - 50770fe - 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
K-Swiss Men’s B00S1DH66Y - Baxter Trainers 5211 - 50770fe - 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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K-Swiss Men’s B00S1DH66Y - Baxter Trainers 5211 - 50770fe - 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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K-Swiss Men’s B00S1DH66Y - Baxter Trainers 5211 - 50770fe - 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
Simon Carter Elgar Boots Black UK - , ZOCAVIA Trainers for Men Ultra Lightweight Running Shoes Gym Walking Sports Sneakers - , ZPFME Men’s Oxford Shoes Handmade Business Smart Formal Lace-UPS Brogue For Men Office Real Leather Shoes - Zephyr Z007 Waterproof Black Leather High Leg Metal Free Security Combat Boots - Sports Running Shoes, KEERADS Mens Breathable Gym Sneakers (UK:5 / 25.5cm, Blue) - , Paris Hill Men s Classic Oxford Formal Slip on Business Dress Shoes - Geox Symbol D, Men s Low-Top Sneakers - , Red Tape Mens Dargle Leather Casual Boat Deck Mocassin Designer Loafers Driving Shoes - , TRIVER FLIGHT Men s Lace-up Flats - , Djinns Nice Dirty Velvet navy - Ambitious 7721 Ankle Boots Man Brown 42 - Rieker 14515 Lace-up-Men, Men’s Derby Lace-up - , Clarks Men’s Unnature Mid Classic Boots, Black, 7 UK - Grunland CE0501 LINO Ciabatta Uomo P. Testa DI Moro 41 - , Format 4030839217610 – schweiñerstiefel stan. S3 in 20349. Gr. 46 - Bisgaard Unisex Kids’ 40332118 Trainers - , Jack & Jones Men Shoes/Sneakers jfw - Sunny&Baby Men s Shoes Lace Up Genuine Leather High Top Martin Ankle Boots For Gentlemen Abrasion Resistant - , TRIVER FLIGHT Men s 99302 Grey Suede Ankle Boots - , Primigi Boys’ Pra 13945 Closed Toe Sandals - , Men High Top Breathable Skateboard Shoes Autumn Light Running Trainers Sneakers - , HiPlus Men s Loafer Flats Black Black - FIND Casual, Men’s Brogue - U.S. Polo Assn. MARCS4137S7/C1 Sneakers Men - Indigo Schuhe Girls’ 482 251 Gladiator Sandals - NOBRAND Elm, Men’s Espadrilles - Rieker 15270 Loafers & Mocassins-Men, Men’s Loafers - , Etnies Hitch, Men s Skateboarding Shoes - , Jeff Banks Brown Derby Leather Shoe - 0046968 Shoe - ,
K-Swiss Men’s B00S1DH66Y - Baxter Trainers 5211 - 50770fe - poyigut.site Puma Unisex Adults’ Pacer Plus Low-Top Sneakers Black (Puma Black-puma White 02) Vans Authentic, Unisex Adults Low-Top Sneaker Red (Sun Drie / Diu) , UMmaid Water Aqua Shoes Quick Drying Beach Swim Shoes for Pool Dive Surf Yoga - vigor-blinky Safety Shoes - , Men s summer sandals/Baotou, waterproof sandals/Casual sandals - , JIUYUE-SHOES, Men s Casual Thong Flip Flops Shoes PU Leather Hiking Walking Summer Beach Slippers Non-Slip Handwork... - , Puma Men’s Ignite Limitless Knit Sneaker, Black, D(M) US Tibetan Red/Puma Silver , Skechers Men’s Recent-Merven Trainers Black (Black) , Superga Unisex Adults’ 2750 Cotu Classic Low-Top Sneaker, White Pink Emerica The Figueroa, Men’s Skateboarding Bleu Marine/Noir , Emerica The Figueroa, Men’s Skateboarding Gris/Caoutchouc Ganter Men s Lace-Up Flats - , Brooks Men’s Ghost 10 Running Shoes Blue (Ebonymetalliccharcoalelectri 1d056) Dude Shoes Hey Men s Wally Classic Jet Black UK7/EU41 - FashionYoung Mens Winter Camouflage Tactical Military Ankle Boots Warm Cotton Outdoor Shoes Climbing Army Snow... - , Fashion Ladies Boot_boots black video thin high-heeled, pointed thin and stylish, Black (9 to 38 cm). - , Golden Goose Men s G32MS590E71 Silver Leather Sneakers - , Skechers Men’s Downtown Trainers - , Lapens Men s Casual Flat Loafers Fashion Slip On Driving Shoes - , Vibdiv Men s Running Shoes Lightweight Lace-Up Trainers - Skechers USA Men s Palen Gadon Oxford Light Brown OneMix Running Shoes 2017 Men s Lightweight Air Cushion Sport Black Fluorescent green Shenduo Men s Buckle Loafers Suede Leather Moccasins Boat Driving Flats Slip On Shoes D7162 Grey Minitoo Boy s Men s Mesh Breathable Fashion Daily Loafers Dark Brown Skechers Men’s 51825 Open Toe Sandals Brown (Brown) Vibdiv Men s Lightweight Casual Loafers Multisport Trainers Black-T Icegrey Mens Leather Driving Loafers Slip On Moccasins Shoes Black-holes , G.H. Bass & Co. Weejuns LAYTON Mens Leather Kiltie Fringe Loafers Black Black NBWE WENLSummer Men s Open Toe Sandals & Slippers Lace-up Shoes Beige Platform Soft Comfortable Rubber Sole Gray , HQUEC Mens Casual Flip Flops Fabric Thongs Comfortable Beach Sandals Summer Slippers Grey 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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K-Swiss Men’s B00S1DH66Y - Baxter Trainers 5211 - 50770fe - 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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K-Swiss Men’s B00S1DH66Y - Baxter Trainers 5211 - 50770fe - 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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