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Topic: retirement

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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Sections: Business | No Comments
 

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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Sections: Education | No Comments
 


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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Sections: Business | No Comments
 

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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Sections: Business | No Comments
 

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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Sections: Business | No Comments
 

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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Sections: Business | No Comments
 


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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Sections: Business | No Comments
 

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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Sections: Business | No Comments
 

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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Sections: Business | No Comments
 


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