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Topic: retirement

Frazier Allen: Are your estate and financial plans shock-proof?

 

F&M Investment Services - Raymond James - Clarksville, TNClarksville, TN – Retirement is a time to enjoy family, hobbies, travel, volunteering, and maybe even taking a job that sounds fun and keeps you active. You may be in great health today and can’t imagine a time when you wouldn’t be able to do all the things you’ve dreamed about.

While we all hope to live independently throughout retirement and plan to take care of ourselves, it’s still wise to put contingency plans into place, to shock-proof our financial and estate plans just in case.

Don’t wait until “what if?” becomes “what is.”

Don’t wait until “what if?” becomes “what is.”

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Frazier Allen: Declutter Your Retirement

 

F&M Investment Services - Raymond James - Clarksville, TNClarksville, TN – Leonardo da Vinci called simplicity the ultimate sophistication. Bruce Lee called it the key to brilliance. And Gandhi, who many believe was the definitive minimalist, said the secret of life lies in never missing material things.

What’s no secret is having less seems to be bringing more peace and happiness to those who have embraced this way of life. From small cars that counterpunched the SUV to tiny houses with their own television shows, it’s an increasingly popular choice.

Downsizing and minimizing clutter can be liberating when you make more room for your future.

Downsizing and minimizing clutter can be liberating when you make more room for your future.

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Frazier Allen: Can Taxes Scramble Your Nest Egg?

 

F&M Investment Services - Raymond James - Clarksville, TNClarksville, TN – When it comes to retirement planning, we typically tally up our daily expenses – housing, transportation, utilities, food, insurance, healthcare, entertainment – and budget accordingly for enough income to cover those wants and needs.

But we may not factor in an annual expense we can’t avoid: taxes. One reason may be that our complex tax code treats various sources of retirement income differently, so it can be hard to estimate what you’ll have after taxes using back of-the-envelope calculations.

Proactive tax planning can help your retirement income last longer.

Proactive tax planning can help your retirement income last longer.

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Frazier Allen: Where Your Retirement Money Goes

 

F&M Investment Services - Raymond JamesClarksville, TN – As you consider a long, happy retirement, give some thought to the largest aspects of your budget.

Where your money actually goes may surprise you.

Wealth alone cannot buy a quality retirement any more than it can buy happiness – but having a solid financial foundation can make those years more enjoyable.

Where Your Retirement Money Goes

Where Your Retirement Money Goes

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Frazier Allen: Your Retirement Plan B

 

F&M Investment Services - Raymond James - Clarksville, TNClarksville, TN – Imagine this. You’ve spent decades working, saving and planning for your version of the ideal retirement.

But life decides to throw a little kink into your plans. Your company was just acquired, and your boss is now strongly encouraging you to take an early retirement – five years before you’re ready.

Take the time to design an alternative retirement plan should retirement come earlier than expected.

Take the time to design an alternative retirement plan should retirement come earlier than expected.

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Tennessee Ranks in Top Five as Retirement Destination

 

Tennessee Department of TourismNashville, TN – Tennessee has been named No. 4 in a recent analysis of the 10 Best States for Retirement 2016 by Kiplinger.com, a Washington, D.C.-based publisher of business forecasts and personal finance advice. The report rated all 50 states based on quantifiable factors that are important to retirees.

Affordability, especially in terms of lower taxes on retirees and lower health care costs, was a key factor in the research. The economic health of the state, as well as the overall health of the population, was also taken into account. States with prosperous populations of residents age 65 were also important in the comprehensive analysis.

Kiplinger Report Rates 10 Best States for Retirement 2016

Kiplinger Report Rates 10 Best States for Retirement 2016

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Frazier Allen: Will Retirement Require a Passport?

 

F&M Investment Services - Raymond James - Clarksville, TNClarksville, TN – Retirement means different things to different people. Some envision their next chapter taking place abroad. Some want to stay at home for as long as possible. Others worry they may not have saved enough, so retiring elsewhere represents a way to stretch their dollars in areas with lower costs of living, as well as a way to experience other cultures.

Still others may see a retirement move as a new adventure. Whatever the reason, there are many things to consider when deciding whether to unwind in another country or right here in the States.

World Map «Read the rest of this article»

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Frazier Allen: The new Social Security claiming rules

 

F&M Investment Services - Raymond James - Clarksville, TNClarksville, TN – Growing up, many of us viewed Social Security as a continuation of our work income, something we’d automatically receive upon retirement. Then reality struck, and we learned there’s more to claiming and receiving Social Security benefits.

So much more. And the strategies to maximize this important source of retirement income can be complicated.

One strategy, known as “file and suspend,” became popular among married couples. The higher earning spouse would file for Social Security benefits once he or she reached full retirement age (FRA) – and immediately suspend them.

Goodbye, File and Suspend. Now What? New rules eliminated this Social Security claiming strategy, but there are other options.

Goodbye, File and Suspend. Now What? New rules eliminated this Social Security claiming strategy, but there are other options.

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Frazier Allen gives Five Roth IRA Rules

 

F&M Investment Services - Raymond JamesClarksville, TN – As an investor, there are always choices to make: pros and cons to weigh with your advisor.

Deciding on your retirement savings vehicles is no different.

There are so many options, but a Roth IRA, if you qualify, can really help with your retirement savings if you follow the rules.

When thinking about retirement, there are so many options. A Roth IRA can be a powerful retirement tool.

When thinking about retirement, there are so many options. A Roth IRA can be a powerful retirement tool.

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Frazier Allen: Beware of Costly Surprises in Retirement

 

F&M Investment Services - Raymond JamesClarksville, TN – Achieving a successful retirement requires not only planning for what you want to go right, but also for what might go wrong.

Many investors have found that retirement can bring on unwelcome surprises, some of them significant enough to derail a retirement plan.

Healthcare Costs: Expert estimates of what a couple spends during retirement for healthcare range from $400,000 to well over $1 million.

Planning ahead can help you get the jump on some of these surprise costs.

Planning ahead can help you get the jump on some of these surprise costs.

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