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Diversified Retirement and The Need For Asset Allocation

“Don’t put all your eggs in one basket.” It’s a saying that goes back centuries, to at least the writing of the novel,  “Don Quixote.” Author Miguel Cervantes (1547-1615) wrote, “It is the part of a wise man to keep himself for tomorrow, and not venture all his eggs in one basket.” The advice rings […]

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10 Alternatives to Long-Term Care Insurance

Without a doubt, long-term care is a pricey proposition and if you need it, it will probably be your biggest retirement expense. In fact, the U.S. Department of Health and Human Services estimates that elder care services will cost the average person $138,000. And the chances of needing some form of long-term care are higher […]

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Personal Financial Planning For Less Stress and More Success

Nobel Prize-winning economist Paul Samuelson once joked that, “The stock market has predicted nine out of the past five recessions.” His point was that there hasn’t been a system yet devised that can predict when the next economic downturn is coming. One could happen tomorrow or 10 years from now. Although you can’t control what […]

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5 Travel Tips for Seniors That Could Save Your Wallet and Your Life

There are few activities more pleasurable than pulling out a map or travel guide and planning your getaway. Paris in the spring, New England in the fall, Mykonos in the summer… But don’t let all the wanderlust sweep you away and make you forget a number of crucial pre-travel tasks that should be completed before […]

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How Much to Save for Home Repairs & Improvements

Few things last forever, except for maybe the pyramids, L.L Bean boots and school recitals. So, when it comes to the key systems and components of your home, you also need to be aware of their life expectancy so that when one does wear out or no longer performs up to your standards, you have […]

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10 Estate Planning Basics for Defining Your Legacy

Let’s face it, estate planning — the process of designating who will receive your assets and handle your affairs after your death or incapacitation — isn’t at the top of the list for a majority of Americans. According to a recent study by Caring.com, * just 42 percent of U.S. adults currently have basic estate […]

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Part Time Jobs for Seniors: Enjoy a Working Retirement

If you’re an older American and plan to continue working, you’ll be in good company. Eight-five percent of the Baby Boomer population plans to work until their 70s and even 80s, according to the U.S. Senate’s 2017 Special Committee on Aging report, “America’s Aging Workforce.*” Indeed, this group of workers is projected to be the […]

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What You Need To Know About Medicaid

Medicaid is the largest health insurance program in the United States, covering about one-in-five low-income Americans or about 73 million people. Before you’re tempted to say the program can’t help you because you think you earn too much or own too many assets, you may be surprised, or even shocked, by what you’re about to […]

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Planning For Long Term Care and Why You Should Start Early

If you’re someone turning age 65 today, you have almost a 70 percent chance of needing some kind of long-term care or support services in your remaining years.* Long-term care involves a variety of services designed to meet your health or personal care needs during a short or long period of time, which can help […]

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How to Make Your Money Last in Retirement

When you were saving for retirement, your goal was to accumulate as big a nest egg as possible. Now that you’re actually retired, it’s up to you to preserve and manage that money so it continues to serve your needs and goals through retirement. As a first step, inventory all your financial assets, such as […]

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