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Topic: retirement

Frazier Allen: Where Medicare Falls Short

 

F&M Investment Services - Raymond James - Clarksville, TNClarksville, TN – It’s never too early to start thinking and planning for retirement, especially when it comes to the top three expenses: housing, transportation and healthcare. You may have a clear vision of your ideal retirement, but that dream could fade if unexpected healthcare costs start to eat away at your hard-earned retirement savings.

The fact is, even with Medicare, quality healthcare can come with a hefty price tag. There are still premiums, copayments, deductibles and other out-of-pocket expenses that must be accounted for.

Clarksville Police warns public about criminals posing as salesmen that take advantage of senior citizens.

Clarksville Police warns public about criminals posing as salesmen that take advantage of senior citizens.

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Frazier Allen: Retirement Readiness Takes Getting in Step

 

F&M Investment Services - Raymond James - Clarksville, TNClarksville, TN – When Fidelity Investments asked couples how much they think they will need to save for retirement to maintain their current lifestyle, 48% had “no idea.”

Forty-seven percent disagreed on the amount needed (the disagreement highest among those closest to retirement). In some ways, that’s not surprising – many couples disagree on financial and lifestyle matters long before they’ve stopped working. But while adjustments (hopefully) can be made and differences resolved, things can become more difficult in retirement.

Many couples don't agree on when, where or how they're going to retire.

Many couples don’t agree on when, where or how they’re going to retire.

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APSU Basketball coach Dave Loos announces retirement

 

APSU Sports Information

APSU Men's Basketball - Austin Peay State UniversityClarksville, TN – Austin Peay State University will hold an 11:00am, Monday, press conference to celebrate the career of Dave Loos, who will announce his retirement after 27 years as head men’s basketball coach—including 16 as athletics director.

‘The Dean of Ohio Valley Conference basketball coaches’, Loos walks away following a storied career which included a league-record 421 victories, five OVC Coach of the Year honors and nine total OVC titles, including four OVC Tournament wins.

Austin Peay Basketball head coach Dave Loos to retire. (APSU Sports Information)

Austin Peay Basketball head coach Dave Loos to retire. (APSU Sports Information)

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My Two Cents: How a Motorcycle pulled me out of Depression

 

My Two-Cents with Hank BonecutterClarksville, TN – I spent my career in the spotlight.  Forty years in broadcasting.  The last eighteen years as the owner of a radio station, and the host of a morning talk show.  I was right in the middle of everything.

Over the course of my career, I “hob-knobbed” with the rich and famous.  Rock stars, politicians, entertainers and more.  There was nobody I couldn’t hang out with. There wasn’t a politician or public official I couldn’t interview.

Hank Bonecutter with his Harley.

Hank Bonecutter with his Harley.

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Sections: Opinion | 1 Comment »
 

Frazier Allen: A Retirement Savings Exit Strategy

 

F&M Investment Services - Raymond James - Clarksville, TNClarksville, TN – Every day, an estimated 10,000 people reach the IRS trigger age when they must begin withdrawing money from their retirement plans. If you’re among them, it’s wise to develop a strategy.

Once you hit 70½, IRS rules call for required minimum distributions (RMDs) every year on all of your traditional, simplified employee pension (SEP) and SIMPLE IRAs, as well as employer-sponsored plans. Roth IRAs are exempt.    

Create a plan to withdraw your minimum distributions on your terms, while complying with Uncle Sam’s.

Create a plan to withdraw your minimum distributions on your terms, while complying with Uncle Sam’s.

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Clarksville-Montgomery County School System Director B.J. Worthington Announces Retirement

 

Clarksville-Montgomery County School System - CMCSSMontgomery County, TN – Clarksville-Montgomery County School System (CMCSS) Director of Schools Dr. B. J. Worthington is announcing his retirement as of June 2017.

Dr. Worthington has served as Director of Schools since August 2012. He has been with CMCSS for 31 years as a science teacher, school administrator and chief academic officer.

Dr. B.J. Worthington has announced his retirement as Director of Schools for Clarksville Montgomery County School System effective July 2017.

Dr. B.J. Worthington has announced his retirement as Director of Schools for Clarksville Montgomery County School System effective July 2017.

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Frazier Allen: Learning to be a Retiree

 

F&M Investment Services - Raymond JamesClarksville, TN – Most of us really look forward to the idea of well-deserved, unstructured free time. A time to do exactly what we please when we please. Until we get it.

A retirement satisfaction survey from EBRI found that half of retirees (51.4%) in 2012 reported being somewhat or not at all satisfied with their retirement. Some retirees underestimate how long it takes to adjust to a new lifestyle; others miss friends from work; still others find themselves with too much free time.

Half of retirees reported being somewhat or not at all satisfied with their retirement.

Half of retirees reported being somewhat or not at all satisfied with their retirement.

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Frazier Allen: Are You Ready for an Encore Career?

 

F&M Investment Services - Raymond JamesClarksville, TN – Four and a half million. That’s how many retired Americans, over age 50, decided to go back to work or take on part-time volunteer roles after retiring. And there are another 21 million who say they’re ready to join them, according to a 2014 Encore Career survey.

The reasons vary. Some want to make the most of their talents; some want social interaction; still others seek to keep their minds sharp and their bodies busy. The extra money doesn’t hurt either, especially since there are several unknowns that can cloud your retirement picture (e.g., longevity, inflation and long-term care needs).

More and more Americans are going back to work or volunteering after retirement.

More and more Americans are going back to work or volunteering after retirement.

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Frazier Allen: Four Smart Withdrawal Strategies

 

F&M Investment Services - Raymond JamesClarksville, TN – It’s official. You’re retired. As in, your days are yours alone. No early morning meetings. No deadlines. No paycheck.

Wait. What?

Without a job, you’ll no longer receive a salary. Something you’ve likely relied on every couple of weeks for the past 40 to 50 years.

It’s unlikely that Social Security alone will be enough to replace that flow of income and fully support your standard of living in retirement, which means it’s time to start drawing down the retirement income you’ve saved so diligently over the years.

Tennessee Department of Commerce and Insurance gives tips to protect you savings.

Tennessee Department of Commerce and Insurance gives tips to protect you savings.

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Frazier Allen: Social Security Myths and Misconceptions

 

F&M Investment Services - Raymond JamesClarksville, TN – There’s no doubt about it. Filing for Social Security can be daunting.

On top of all that, there’s a ton of information – and misinformation – to weed through, as well as the need for some calculations based on several variables. Your benefits depend on your age, how long you’ve worked, what you earned, your marital status and number of dependents.

Seems like you have to factor in everything but your IQ. So to help, we offer some common misconceptions as well as some guidance on ways to get the most from your hard earned retirement benefits.

What you don't know you don't know and what you can do about it.

What you don’t know you don’t know and what you can do about it.

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