Every few weeks, it seems, we encounter a new article or two trying to provide a definitive answer to a familiar question: when is the best age to begin taking Social Security benefits? Two such articles came to our attention recently, articles we found notable because the authors disagree pretty strongly with each other’s recommendations. … Read more
The New Year is here, and every year it seems the top New Year’s resolution involves going on a diet. But just as many doctors recommend a “food diet,” some financial planners say people getting ready for retirement need to go on a financial diet, trimming wasteful spending in order to get themselves better prepared … Read more
You’ve heard about it – you’ve read about it – you’ve thought about it. The idea of a reverse mortgage has been on your “retirement radar” for quite a while, but for some reason you’ve delayed taking action. A pair of recent news articles might just change your mind and persuade you that now is … Read more
Most people with retirement savings in a tax-deferred account – typically a 401(k) or 403(b) account – know that sooner or later the IRS is going to want their tax money. That’s why the rules governing these accounts allow savers to deposit tax-deferred funds only up to a certain age, after which withdrawals have to … Read more
A new study by the Society of Actuaries has shed light on a subject that should be of concern to retirees, according to this recently-published Money magazine article. While many retirees manage their day-to-day budgeting fairly well, a significant percentage are completely unprepared for financial emergencies, and when an unplanned expense comes along, they are … Read more
Do you have enough saved for retirement? If you ask the average senior, their answer will likely be no. A steady stream of articles, including some we’ve included here on the AgingOptions blog, contributes to the fear shared by many U.S. adults that they are in real danger of running out of money as they … Read more
“If I only knew then what I know now!” Many of us have uttered those words time and time again when we reflect on all the things we should have done differently decades ago. Nowhere are those “if only” regrets more acute than in the area of finances, especially when it comes to preparing for … Read more
It’s difficult for a married couple to visualize what the future will be like when one spouse has passed away. After all, today you’re both healthy and looking forward to enjoying many years of retirement together – and God willing, that’s what will happen. Nevertheless, at some point it’s a virtual certainty that one of … Read more
If you have an older loved one in your life who is still managing his or her own finances, you’re probably on the lookout constantly for any signs that he or she is “starting to slip” – in other words, that they are suffering from cognitive impairment. If this concern is causing you stress, it … Read more
As today’s boomers hit retirement, more and more are grappling with the question, “Do we downsize or do we age in place in our current home?” As this just-published Bankrate article makes clear, the choice isn’t quite that clear. “Baby boomers are struggling to downsize,” the article warns, “and it could create the next housing … Read more
Will your plan for retirement lead to disaster if your health fails? Will you end up forced into institutional care, go broke paying for care, or become a burden on your family?
For millions of Americans, the answer is yes. This video explains why retirement turns into a nightmare for so many people and how completing this course can keep these nightmares from happening to you.
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Since the AgingOptions Radio Show first began airing in the Pacific Northwest in 2006, elder law attorney Rajiv Nagaich has been helping people answer some of life’s toughest questions. In this comprehensive anthology, drawn from thousands of hours of AgingOptions Radio Show broadcasts, listen to Rajiv Nagaich answer callers’ questions about retirement planning. His answers are packed with important nuggets of information that will help you create your own LifePlan for retirement. It’s a recording you’ll want to listen to again and again.
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As an elder law attorney, Rajiv Nagaich has spent more than two decades helping older adults and their family caregivers cope with retirement plan failure. Despite doing exactly what their trusted advisors had told them to do—enrolling in Medicare, saving plenty of money, buying long-term care insurance, and creating an estate plan—Rajiv's clients found themselves forced into institutional care, assets lost to unplanned care costs, and a burden to their families. In Your Retirement: Dream or Disaster, you will learn the shocking truth about why this happens—and what you can do to avoid it. This book is a must read if you want to avoid the hidden traps in retirement planning advice that turn life into a living nightmare for 70% of Americans.
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The Master Your Future LifePlanning Workbook guides you through the process of planning for your later years so you can live out your years with more confidence. Examine your readiness for retirement, get practical solutions to threats and challenges that come with aging, and follow a step-by-step action plan to build a LifePlan Blueprint that will deliver secure, predictable outcomes. The Master Your Future LifePlanning Workbook includes 200 pages of exceptional content, detailed information that helps you weigh your options, decision worksheets to create your personal Blueprint, and guidance for selecting and working with professional advisors.
