Retirement used to be seen as an artificial goal.

At the Olympics, which may have had the opportunity to see a superstar in track and field gold medal win. Once you cross the finish line, the pure excitement, happiness and pride for your country is the engine that makes them take that victory lap. The pressure is gone, the program's results of hard work and it is your time to shine and celebrate. That lap was run in its terms. Images can stop high five fans, and just take it all in.

Retirement used to be seen as an artificial goal. People used to think when he turned 65, who collected social security and / or pensions and golf. They had visions of drinking lemonade on the porch and watching time pass.

Today, with the hope of life and our desire to feel more committed, there is a new paradigm for retirement planning. It is a time for us to take that victory lap. It is time for us to do the job we've always wanted to do. Is a time for us to touch the lives and the causes that have supported us during the years of work - but with more emphasis.

So when you think of retirement planning, think about your victory lap. What you do every day? What new experiences do we expect? What you really want to achieve? Where will you live?

The clearer you what you want for your future, the easier it is for you to make decisions about financial planning for retirement. To begin, consider the following ingredients while it is baking the cake retirement.

* The expenses in retirement - What is the cost of life in today's dollars, in retirement? Analyze your expenses into three categories: needs, wants and desires.

* Roth IRA-Great way to reduce the amount of taxes paid in retirement.

* Social Security - If you think you'll be around when you need it, try to take your benefit at normal retirement age, rather than in the younger age (eg 62). You can even talk to your financial advisor what would happen if you take take up to 70 years old, where the benefit would be greater.

* Cash Value Life Insurance - Do not forget that this could be the money they could use to live, or at least draw.

* Sequence of Returns - If you are far from retirement, the sequence of portfolio returns are not as important. They play a much more important if you are within 5 years of retirement.

* Rate Retirement-plan on withdrawing no more than 4.00% of your portfolio per year in retirement. This is the industry standard models that are based and which basically says that there is less likelihood of running out of money.








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