Wedding Dresses

avzkx8u2

Discussing retirement plans with a financial planner can be an uncomfortable experience. Though most people work throughout their life having in mind a long-term goal of a happy and satisfying retirement, many are [url=http://www.mxitcms.com/abercrombie/]abercrombie milano[/url] finding it harder to meet this milestone than they had anticipated. A Retirement Benefits Specialist can work to help you organize your fiscal responsibilities before it becomes too late. When planning for a comfortable future, a number of details that many are unaware of must be taken into consideration. According to recent statistics, for those who have at least $100,000 to invest, they had no idea [url=http://www.mxitcms.com/abercrombie/]abercrombie[/url] as to what dollar figure their nest egg will need to grow to in order to retire fully.

A December 2010 Wall Street Journal [url=http://www.teatrodeoro.com/hollisterde.php]hollister deutschland[/url] survey showed that workers are less prepared for retirement than ever before. The average 401(k) balance at year-end 2009 was $140,000 for employees in their fifties who had been in the plan for at least six years. When comparing this to two years prior, in 2007, when the average balance was $147,000, workers are saving a lot less. Surprising statistics discovered that by year-end [url=http://www.gotprintsigns.com/abercrombiepascher/‎]abercrombie soldes[/url] 2009, 60% of 401(k) money was invested in stock funds, with the balance being invested in target-date funds, balanced funds and employer stock. Certified planners from a retirement institute strive to accurately forecast savings plans from year to year. This will ensure that [url=http://www.mnfruit.com/louboutinpascher.php]louboutin pas cher[/url] when it comes time to retire, your financial investment portfolio [url=http://www.jeremyparendt.com/Hollister-b5.php]hollister france[/url] will be plenteous.

According to the Employee Benefit Research Institute, individual men who plan to retire in the year 2020, at age 65, are expected to need $208,000 in savings to be used for health care expenses. Compare that to individual women, who need [url=http://www.jeremyparendt.com/jimmy-choo.php]jimmy choo chaussures[/url] $255,000 and married couples with an accumulated $454,000 in savings. Social security benefits become an option for workers as early as age 62 or as late as age 70. For example, take a planners client who is in his late 50s. The client has just learned he has the following Social Security retirement options: $1,450 per month [url=http://www.sandvikfw.net/shopuk.php]hollister sale[/url] (benefits start at age 62), $1,920 per month (benefits start at age 66) or [url=http://www.mnfruit.com/airjordan.php]jordan[/url] $2,540 (benefits start at age 70). Well over [url=http://www.mnfruit.com/doudounemoncler.php]moncler[/url] half of retirees receive early (reduced) benefits. Whether or not the client should take benefits early will depend up a number of factors, including health, level of earned income, how benefits will be invested and for how long they will be invested.

Experienced planners of a retirement institute are aware of these factors to take into consideration. If the client is in poor health or has a family history of poor health, early benefits should be strongly considered, regardless of other considerations. As a generality, if someone age 62 has [url=http://www.rtnagel.com/airjordan.php]jordan pas cher[/url] a life expectancy of less than 10 years, that person should commence taking benefits at age 62, regardless of earned income or need for additional money. Benefits received before normal retirement age can be reduced if the recipient [url=http://www.lcdmo.com/hollister.php]hollister pas cher[/url] is working and has earned income greater than $14,200, Benefits are reduced $1 for every $2 of earnings above $14,200, or $1,183 per month (for 2010). A Retirement Benefits Specialist is equipped with the knowledge and skills to accurately plan your finances for the comfortable future of retirement.
相关的主题文章：

[url=http://www.czhbj.gov.cn/GuestBook.asp]moncler He[/url]

[url=http://www.nsl.co.jp/jinzai/postmail.cgi]hollister france You Can Work[/url]

[url=http://bbsgwy.com/home.php?mod=space&uid=22003][/url]