Harmoney Advantage Partner Network

Factoring Health-Care Costs into Retirement Planning

There are many factors to consider in determining how much you'll need to save in order to enjoy a comfortable and financially secure retirement. One often overlooked retirement expense is the cost of health care. You may presume that when you reach age 65, Medicare will cover most health-care costs. However, Medicare currently only pays for a portion of the cost for most health-care services, leaving a potentially large amount of uninsured medical expenses. Without proper planning, health-care costs can sap retirement income in a hurry, leaving you financially strapped.

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Getting an Early Start on Saving for Retirement

Many people assume they can hold off saving for retirement and make up the difference later. But this can be a costly mistake. Waiting too long to start saving can make it very difficult to catch up, and only a few years can make a big difference in how much you'll accumulate. This doesn't mean there's no hope if you haven't set aside anything for retirement yet. It just makes it all the more important that you implement a plan today.

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These Deferred Annuity Mistakes Can Be Taxing

The tax treatment of nonqualified deferred annuities (annuities that are not part of a tax-qualified plan such as an IRA or 401(k)) appears to be fairly clear-cut:

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Five Reasons to Make an IRA Part of Your Planning Strategy


IRAs typically give investors access to a wider range of investment options than workplace-sponsored plans, such as a 401(k).

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How can estate planning take care of my family when I'm gone?

The most important step in estate planning is writing a will. If you don't execute a will, state law will determine who gets your property, and you may not agree with their choices. If you still have children at home, a judge may decide who will raise them. In your will, you can make these decisions yourself.

How can I save money on my retirement?

Finding an affordable place to retire means more than watching your expenses. You need to be aware of the tax climate. Some states are more attractive to retirees than others: for instance, forty states offer various tax breaks to retirees, seven have no state income taxes for all residents, and eight give property tax relief to homeowners over 65.

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