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Topic: retirement

Frazier Allen: Smart Retirement Withdrawal Strategies

 

F&M Investment Services - Raymond James - Clarksville, TNClarksville, TN – For many, tapping into your retirement principal causes some anxiety.

Whether you’re months or years from retirement, work with your advisor to develop a withdrawal strategy that gives you confidence that your money will last as long as your retirement does.

Fortunately, there are flexible strategies that can be used alone or in combination. With each of these strategies, it’s a good idea to start with a conservative withdrawal rate and increase it as your portfolio grows.

Planning ahead for your retirement withdrawal strategy.

Planning ahead for your retirement withdrawal strategy.

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Frazier Allen: Tune in to levels of control

 

F&M Investment Services - Raymond James - Clarksville, TNClarksville, TN – Know what you can tweak to find your ultimate retirement income mix.

As much as some of us would like to control everything, the truth is we can’t. Many retirees harbor a distant fear that their money may not last as long as they need it to.

When it comes to something as important as your retirement income, knowing what you can control and by how much may help save your energy for the things you can change.

Frazier Allen

Frazier Allen

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Frazier Allen: Retirement choices go Global

 

F&M Investment Services - Raymond James - Clarksville, TNClarksville, TN – If the prospect of a pleasant retirement in an exotic locale appeals to you, you’re in luck because the options for retiring abroad are expanding. The numbers of expat English-speaking communities are growing in countries that offer safety, low taxes, attractive residency options and excellent healthcare facilities.

Life in a foreign land is not for everyone, of course. There is almost certain to be an element of culture shock. However, the attractions of an adventurous lifestyle tip the scales for many retirees. Retirement experts caution against making hasty decisions to move abroad.

More than ever, retirees are finding exotic locales that complement their monetary needs.

More than ever, retirees are finding exotic locales that complement their monetary needs.

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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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