Posts Tagged ‘Retirement’
Planning for a 30 Year Retirement
Posted on May 15th, 2012 by GWM
With increasing life expectancies, there is a very real risk of outliving your money or not living in the lifestyle you’d like.
This article is how to plan for a 30 Year Retirement, with some great suggestions about the retirement plan you create.
One of the best things I do for my clients is the planning, creation, and monitoring of a retirement plan. This is not only before retirement, but after as well.
If you don’t have a retirement plan… Read More
Employment-Population Ratio
Posted on December 14th, 2011 by GWM
While the official unemployment rate is decreasing, the “participation” ratio is decreasing. This means less people as a percentage of the total population are actively searching for full time work.
Some of those leaving the workforce are retirees, but the graph to the right is interesting because it shows the decrease from those in prime working ages. This shows how bad the employment is, even beyond the unemployment figures.
The graph below shows the huge gains women have made in the past 60 years.… Read More
3rd Quarter Review / 4th Quarter Review
Posted on October 7th, 2011 by GWM
The 3rd Quarter 2011 is over and I have a slightly longer video this week because I want to address the current environment and how things may shape up going forward.
A big theme is my advice to assess your overall plan and risk tolerance, and also to ensure you’re looking at both positive and negative points of view on the markets instead of just one view over the other.
I send my newsletter and videos on a weekly basis, so if you watch only a few througout the year, at least watch my… Read More
I am taking new clients
Posted on October 7th, 2011 by GWM
Last quarter a client of mine asked my permission to refer his friend to me. He didn’t want to offend me by giving out my business card without my okay.
I’m hereby giving everyone permission to offend me!
What this conversation led me to understand is that I haven’t done a very good job communicating that Generosity Wealth Management has the knowledge, infrastructure, and expertise to help out your friends, family, and those you care about.
I work with clients… Read More
What Rate of Return Do You Need for a Comfortable Lifestyle?
Posted on May 25th, 2011 by GWM
A
ccording to this article, you can withdraw 4.5% out of taxable accounts per year and your money will last at least 30 years under most scenarios.
I don’t have his supporting material to double check his numbers, but I do know there are a lot of variables involved in coming to this conclusion.
Do you know what your number is for retirement?
Contact me and I’ll try to help you figure that out.
 … Read More
10 Tips for Charitable Giving During Retirement
Posted on April 20th, 2011 by GWM
J
ust because you’re retired, doesn’t mean you can’t be charitable if that’s one of your goals.
But, to get the most out of your giving, I have some tips for you.
Here are 10 tips
 … Read More
Most workers have saved just $25,000 for retirement
Posted on March 23rd, 2011 by GWM
Most Americans have less than $25,000 saved for retirement.
If you’re reading this, you’re probably not that person.
B
ut, let’s be honest. Those of us that are delaying consumption, investing well, and planning for our retirement will be asked to subsidize those who are not doing the same.
What does this mean for you? Continue to do all the things that will put you in place for a good retirement. Especially, get a retirement plan together so you know what it will start to look like… Read More
Plan or Lotto?
Posted on December 15th, 2010 by GWM
Are you going to plan or are you going to hope for the Lotto?
The odds are 1 in 120,000,000 (that’s 120 million) of winning the lotto. You’re 400 times more likely to be hit by lightning.
What are the odds of you achieving your financial goals if you start planning today? Much better.
 … Read More
Roths and Tax Rates
Posted on October 20th, 2010 by GWM
2010 is the year of the Roth Conversion and maybe the end of lower taxes.
In 2010 there are unique Roth Conversion rules that expire at the end of the year.
With higher tax rates next year, what should you do?
Listen to my video below to find out why this is so important.
 … Read More
No Increase in Social Security Benefits 2011
Posted on September 23rd, 2010 by GWM
It’s unofficial, but it’s looking like there will be no cost of living adjustment (COLA) for 2011. If you recall, 2010 had no increase.
 … Read More
Taxpayers on the Hook for $3 Trillion in Pensions
Posted on September 9th, 2010 by GWM
The reason I include this article is to reinforce my belief that Municipal Bonds are something to avoid.
State pensions are in a world of hurt, and you and I will be subsidizing them in the future. Do you think this will cause some slowdown in state revenues and resources? Of course.
 … Read More
Planning for a 30 Year Retirement
With increasing life expectancies, there is a very real risk of outliving your money or not living in the lifestyle you’d like.
This article is how to plan for a 30 Year Retirement, with some great suggestions about the retirement plan you create.
One of the best things I do for my clients is the planning, creation, and monitoring of a retirement plan. This is not only before retirement, but after as well.
If you don’t have a retirement plan… Read More
Employment-Population Ratio
While the official unemployment rate is decreasing, the “participation” ratio is decreasing. This means less people as a percentage of the total population are actively searching for full time work.
Some of those leaving the workforce are retirees, but the graph to the right is interesting because it shows the decrease from those in prime working ages. This shows how bad the employment is, even beyond the unemployment figures.
The graph below shows the huge gains women have made in the past 60 years.… Read More
3rd Quarter Review / 4th Quarter Review
The 3rd Quarter 2011 is over and I have a slightly longer video this week because I want to address the current environment and how things may shape up going forward.
A big theme is my advice to assess your overall plan and risk tolerance, and also to ensure you’re looking at both positive and negative points of view on the markets instead of just one view over the other.
I send my newsletter and videos on a weekly basis, so if you watch only a few througout the year, at least watch my… Read More
I am taking new clients
Last quarter a client of mine asked my permission to refer his friend to me. He didn’t want to offend me by giving out my business card without my okay.
I’m hereby giving everyone permission to offend me!
What this conversation led me to understand is that I haven’t done a very good job communicating that Generosity Wealth Management has the knowledge, infrastructure, and expertise to help out your friends, family, and those you care about.
I work with clients… Read More
What Rate of Return Do You Need for a Comfortable Lifestyle?
A
ccording to this article, you can withdraw 4.5% out of taxable accounts per year and your money will last at least 30 years under most scenarios.
I don’t have his supporting material to double check his numbers, but I do know there are a lot of variables involved in coming to this conclusion.
Do you know what your number is for retirement?
Contact me and I’ll try to help you figure that out.
 … Read More
10 Tips for Charitable Giving During Retirement
J
ust because you’re retired, doesn’t mean you can’t be charitable if that’s one of your goals.
But, to get the most out of your giving, I have some tips for you.
Here are 10 tips
 … Read More
Most workers have saved just $25,000 for retirement
Most Americans have less than $25,000 saved for retirement.
If you’re reading this, you’re probably not that person.
But, let’s be honest. Those of us that are delaying consumption, investing well, and planning for our retirement will be asked to subsidize those who are not doing the same.
What does this mean for you? Continue to do all the things that will put you in place for a good retirement. Especially, get a retirement plan together so you know what it will start to look like… Read More
Plan or Lotto?
Are you going to plan or are you going to hope for the Lotto?
The odds are 1 in 120,000,000 (that’s 120 million) of winning the lotto. You’re 400 times more likely to be hit by lightning.
What are the odds of you achieving your financial goals if you start planning today? Much better.
 … Read More
Roths and Tax Rates
2010 is the year of the Roth Conversion and maybe the end of lower taxes.
In 2010 there are unique Roth Conversion rules that expire at the end of the year.
With higher tax rates next year, what should you do?
Listen to my video below to find out why this is so important.
 … Read More
No Increase in Social Security Benefits 2011
It’s unofficial, but it’s looking like there will be no cost of living adjustment (COLA) for 2011. If you recall, 2010 had no increase.
 … Read More
Taxpayers on the Hook for $3 Trillion in Pensions
The reason I include this article is to reinforce my belief that Municipal Bonds are something to avoid.
State pensions are in a world of hurt, and you and I will be subsidizing them in the future. Do you think this will cause some slowdown in state revenues and resources? Of course.
 … Read More
