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Information Articles for the Clarksville TN and Montgomery County Tennessee area

Articles

Information Articles for the Clarksville TN and Montgomery County Tennessee area

Frazier Allen: Debunking Social Security myths

September 5, 2017

F&M Investment Services - Raymond James - Clarksville, TNClarksville, TN – It’s time to shine some light on common Social Security misconceptions to help you get the most from your hard-earned benefits.

Myth #1 – Social Security won’t be around

FACT – Social Security is replenished by working Americans, interest on its bonds and taxes on some retiree benefits. Should the existing surplus be depleted, future retirees may be paid a portion of the benefits promised, but not zero. 

Debunking Social Security myths [Read more]

Frazier Allen: Smart Retirement Withdrawal Strategies

June 4, 2017

F&M Investment Services - Raymond James - Clarksville, TNClarksville, 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.

Planning ahead for your retirement withdrawal strategy.

[Read more]

Frazier Allen: Tune in to levels of control

June 3, 2017

F&M Investment Services - Raymond James - Clarksville, TNClarksville, TN – Know what you can tweak to find your ultimate retirement income mix.

As much as some of us would like to control everything, the truth is we can’t. Many retirees harbor a distant fear that their money may not last as long as they need it to.

When it comes to something as important as your retirement income, knowing what you can control and by how much may help save your energy for the things you can change.

Frazier Allen

Frazier Allen

[Read more]

Frazier Allen: Retirement choices go Global

June 1, 2017

F&M Investment Services - Raymond James - Clarksville, TNClarksville, TN – If the prospect of a pleasant retirement in an exotic locale appeals to you, you’re in luck because the options for retiring abroad are expanding. The numbers of expat English-speaking communities are growing in countries that offer safety, low taxes, attractive residency options and excellent healthcare facilities.

Life in a foreign land is not for everyone, of course. There is almost certain to be an element of culture shock. However, the attractions of an adventurous lifestyle tip the scales for many retirees. Retirement experts caution against making hasty decisions to move abroad.

More than ever, retirees are finding exotic locales that complement their monetary needs.

More than ever, retirees are finding exotic locales that complement their monetary needs.

[Read more]

Frazier Allen: Where Medicare Falls Short

May 14, 2017

F&M Investment Services - Raymond James - Clarksville, TNClarksville, TN – It’s never too early to start thinking and planning for retirement, especially when it comes to the top three expenses: housing, transportation and healthcare. You may have a clear vision of your ideal retirement, but that dream could fade if unexpected healthcare costs start to eat away at your hard-earned retirement savings.

The fact is, even with Medicare, quality healthcare can come with a hefty price tag. There are still premiums, copayments, deductibles and other out-of-pocket expenses that must be accounted for.

Clarksville Police warns public about criminals posing as salesmen that take advantage of senior citizens.

Clarksville Police warns public about criminals posing as salesmen that take advantage of senior citizens.

[Read more]

Frazier Allen: Retirement Readiness Takes Getting in Step

April 17, 2017

F&M Investment Services - Raymond James - Clarksville, TNClarksville, 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.

Many couples don’t agree on when, where or how they’re going to retire.

[Read more]

Frazier Allen: A Retirement Savings Exit Strategy

December 16, 2016

F&M Investment Services - Raymond James - Clarksville, TNClarksville, TN – Every day, an estimated 10,000 people reach the IRS trigger age when they must begin withdrawing money from their retirement plans. If you’re among them, it’s wise to develop a strategy.

Once you hit 70½, IRS rules call for required minimum distributions (RMDs) every year on all of your traditional, simplified employee pension (SEP) and SIMPLE IRAs, as well as employer-sponsored plans. Roth IRAs are exempt.    

Create a plan to withdraw your minimum distributions on your terms, while complying with Uncle Sam’s.

Create a plan to withdraw your minimum distributions on your terms, while complying with Uncle Sam’s.

[Read more]

Frazier Allen: Learning to be a Retiree

November 27, 2016

F&M Investment Services - Raymond JamesClarksville, 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.

Half of retirees reported being somewhat or not at all satisfied with their retirement.

[Read more]

Frazier Allen: Are You Ready for an Encore Career?

September 24, 2016

F&M Investment Services - Raymond JamesClarksville, 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.

More and more Americans are going back to work or volunteering after retirement.

[Read more]

Frazier Allen: Four Smart Withdrawal Strategies

September 5, 2016

F&M Investment Services - Raymond JamesClarksville, 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.

Tennessee Department of Commerce and Insurance gives tips to protect you savings.

[Read more]

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