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Recent Articles
- City of Clarksville urges Motorists to prepare for Solar Eclipse
- APSU alumnus, staff member Johnathan Button enrolls in doctorate program at Johns Hopkins
- Clarksville Police reminds Citizens of Fireworks Regulations, Safety Tips
- Clarksville-Montgomery County under Flash Flood Watch until Saturday morning
- City of Clarksville to hold Independence Day event at Liberty Park July 3rd, 2017
- Clarksville Area Chamber of Commerce will hold Power Breakfast July 19th
- 101st Airborne Division Strike Force Supports XCTC at Fort McCoy
- APSU to hold Educational Fair for Kids the day of Total Eclipse, August 21st
- American Heart Association says Breastfeeding may reduce a Mother’s Heart Attack and Stroke Risk
- NASA studies possible missions to Uranus and Neptune
- Nashville Sounds loses two games at Oklahoma City Dodgers
- TBI adds Kingsport Couple to Top Ten Most Wanted List
- My Two Cents: Remembering Pastor Jimmy Terry
- APSU Governors Golf Classic postponed to August 4th
- Clarksville Mayor Kim McMillan says Reverend Jimmy Terry was “Inspirational”
- City of Clarksville dedicates Born Learning Trail at Liberty Park
- Kiwanis Club of Clarksville Presents Scholarship and Donation
- 101st Airborne Division 2nd Brigade Soldiers First Warfighters to Sling Load TCN-Light
- Clarksville Gas and Water announces Water Outage Planned for Sections of Trenton Road and Tylertown Road
- Austin Peay State University names Rodney DeLong as APSU Softball Head Coach
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Topic: Social Security
Frazier Allen: Smart Retirement Withdrawal Strategies
Clarksville, 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.
Clarksville, 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.
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Frazier Allen: Retirement Readiness Takes Getting in Step
Clarksville, 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.
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Frazier Allen: 12 Resolutions for 2017
Start the new year right by reviewing and revamping your financial plan.
Clarksville, TN – Instead of hauling out those familiar New Year’s resolutions about eating less and exercising more, how about focusing on something that’s also very good for you in the long run – and even sooner?
We’re talking about your financial plan – your fiscal health, if you will. The approach of 2017 is a great time to review your plan and make any necessary revisions. With that in mind, here are 12 suggested resolutions that, if followed, can help ensure that your later years will be financially secure.
Frazier Allen
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Frazier Allen: Learning to be a Retiree
Clarksville, 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.
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Frazier Allen: Are You Ready for an Encore Career?
Clarksville, 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.
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Frazier Allen: Four Smart Withdrawal Strategies
Clarksville, 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.
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Tennessee Consumer Affairs says It’s Never Too Early To Protect Children’s Information
Nashville, TN – Identity thieves don’t care whether their victims are old or young. All they care about is stealing valuable information they can use in their frauds and schemes.
As the new school year kicks into high gear, the Tennessee Department of Commerce & Insurance’s (TDCI) Division of Consumer Affairs reminds busy parents not to take their children’s personal information for granted or falsely assume that identity thieves won’t target their children.
Tennessee Department of Commerce & Insurance Urges Parents to Learn Good ID Protection Habits.
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Frazier Allen: Social Security Myths and Misconceptions
Clarksville, 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.
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On Being a Widow
Clarksville, TN – If your marriage has been happy, as ours was for the 23 years we were together, the idea of being a widow is not one you ever want to encounter.
My husband’s health had been deteriorating for 12 years but death was not something we considered an immediate possibility. Life had another scenario in mind so on February 1st, I became a widow.
Although we had discussed what arrangements my husband wanted at his death, I had not fully comprehended what was facing me.
Coping with the loss of a spouse.
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Frazier Allen: Your Retirement Plan B
Clarksville, 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.
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