Thinking of retiring this yet this year or early next year? 96 days until the end of the year! 📅 December 31st will always be a BEST DATE for FERS Employees to RETIRE. 🙌 🎉 You’ve worked hard to build your career and now it’s time to secure your financial future. But here’s a critical insight: the annuity number you see on your retirement estimate is NOT the amount that will land in your bank account each month. Deductions for life insurance, health insurance, and taxes can significantly impact your monthly annuity deposit. The decisions you make about your benefits—some of them irreversible—will shape your financial security in retirement. You owe it to yourself to avoid costly mistakes like keeping overpriced benefits or losing valuable coverage. Knowledge is power when navigating these complex decisions. 💪 📄 Get my FREE Ultimate FERS Retirement Checklist to ensure you understand the true impact of your choices. It’s the tool every FERS employee needs to avoid surprises and maximize retirement incomes. Comment RETIRE below, and I’ll personally send you the checklist. Let’s make sure you’re fully prepared to enjoy the retirement you’ve earned! #FERSRetirement #FinancialSecurity #JustCallMelinda #RetirementPlanning
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There’s been a growing interest lately in phased retirement, as indicated by the results of several surveys. For example, more than half (52%) of pre-retirees wish to continue working in some way after they retire. Phased retirement can help you meet your financial and life goals. You’ll really benefit from phased retirement if you want to enjoy life more but don’t have sufficient resources to retire full time. Likewise, if health insurance is too expensive, you could benefit from part-time work that provides health insurance. Even if the two situations above aren’t applicable to your situation, the fact is, phased retirement can help almost everybody. With people potentially living 20 to 30 years in retirement, there’s a chance you could run out of money during a traditional retirement unless you’re quite wealthy. And almost everybody would benefit from participating actively in society. Living a long time in retirement takes careful planning. Phased retirement can be a very helpful strategy that you should consider. Read More: https://ow.ly/LOCE50Ty2Fb #JennerandAssociates #IGPrivateWealthManagement #IGWealthManagement #Femmloot #PhasedRetirement #RetirementPlanning #FinancialGoals #HealthInsurance #RetirementStrategy #WealthManagement #FinancialPlanning #RetirementIncome #RetirementSavings #RetirementSecurity
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There’s been a growing interest lately in phased retirement, as indicated by the results of several surveys. For example, more than half (52%) of pre-retirees wish to continue working in some way after they retire. Phased retirement can help you meet your financial and life goals. You’ll really benefit from phased retirement if you want to enjoy life more but don’t have sufficient resources to retire full time. Likewise, if health insurance is too expensive, you could benefit from part-time work that provides health insurance. Even if the two situations above aren’t applicable to your situation, the fact is, phased retirement can help almost everybody. With people potentially living 20 to 30 years in retirement, there’s a chance you could run out of money during a traditional retirement unless you’re quite wealthy. And almost everybody would benefit from participating actively in society. Living a long time in retirement takes careful planning. Phased retirement can be a very helpful strategy that you should consider. Read More: https://ow.ly/44Qn50Ty2Fa #JennerandAssociates #IGPrivateWealthManagement #IGWealthManagement #Femmloot #PhasedRetirement #RetirementPlanning #FinancialGoals #HealthInsurance #RetirementStrategy #WealthManagement #FinancialPlanning #RetirementIncome #RetirementSavings #RetirementSecurity
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There’s been a growing interest lately in phased retirement, as indicated by the results of several surveys. For example, more than half (52%) of pre-retirees wish to continue working in some way after they retire. Phased retirement can help you meet your financial and life goals. You’ll really benefit from phased retirement if you want to enjoy life more but don’t have sufficient resources to retire full time. Likewise, if health insurance is too expensive, you could benefit from part-time work that provides health insurance. Even if the two situations above aren’t applicable to your situation, the fact is, phased retirement can help almost everybody. With people potentially living 20 to 30 years in retirement, there’s a chance you could run out of money during a traditional retirement unless you’re quite wealthy. And almost everybody would benefit from participating actively in society. Living a long time in retirement takes careful planning. Phased retirement can be a very helpful strategy that you should consider. Read More: https://ow.ly/WNek50Ty2Fe #JennerandAssociates #IGPrivateWealthManagement #IGWealthManagement #Femmloot #PhasedRetirement #RetirementPlanning #FinancialGoals #HealthInsurance #RetirementStrategy #WealthManagement #FinancialPlanning #RetirementIncome #RetirementSavings #RetirementSecurity
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🌟 Nearing Retirement? 5 Tips To Ensure Your Financial Future is Bright! 🌟 1. **Review Your Retirement Accounts:** Now's the perfect time to assess your savings. Are you on track with your retirement goals? It's never too late to adjust your strategy! 2. **Understand Your Social Security Benefits:** Knowing when and how to claim your benefits can significantly impact your retirement income. Let's plan the best approach together. 3. **Healthcare Planning:** Healthcare costs can be one of the biggest expenses in retirement. Exploring your Medicare options and considering a supplemental health insurance plan is crucial. 4. **Estate Planning:** Ensure your hard-earned assets are distributed according to your wishes. It's about securing your legacy and providing for your loved ones. 5. **Lifestyle Goals:** What does your ideal retirement look like? Whether it's traveling, pursuing hobbies, or spending time with family, planning financially for these dreams is key. We're here to guide you through every step of this journey, ensuring a smooth transition into retirement. Your peace of mind is our priority. Let's chat about how we can tailor a retirement plan that fits your unique lifestyle and goals. Together, we'll make your golden years truly golden! 🌈✨ #RetirementPlanning #FinancialFreedom #GoldenYears #SecureYourFuture
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When you are young and just starting out in your career, you may not be considering retirement. However, the older you get, the concept of retiring looms ever closer. What if you want to retire early? What do you need to do to get out of the workforce, relax and take it easy, and not worry about clocking in and out from your job? If you know your goal is to retire early, though, you have time to come up with that backup plan. For you, that might mean socking away money in a taxable brokerage account so you can leave your IRA, 403(b) or 401(k) alone until you're old enough for penalty-free withdrawals. Recent Motley Fool research finds that 51% of Americans retire at age 61 or earlier, while 23% retire between ages 62 and 64. This means that in reality, a lot of people actually retire on the early side. You just have to carefully begin planning sooner. (https://lnkd.in/eghfhmn3). As a certified retirement specialist, I can offer assistance with helping you reach this goal. Contact me to have that conversation now. Until then, save...save...save..... Talk soon!
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Excited for Jason and Lyndsey to take the reins on this first presentation. Learn more in the post below about how you can register for this seminar, either in person or virtually!
We are excited to announce our first set of presenters for the "Not Dead Yet!" Series, Jason Nickerson, CFP®, EA and Lyndsey M. K. Payne, MBA! The pairing is slated to team up for a presentation on "Guiding My Retirement" at the Clemens Center on April 3rd at 1 p.m. You can register for the virtual session here - https://lnkd.in/gg6dp2p8 Limited in-person registration is available here - https://lnkd.in/gAMTAzgZ Jason and Lyndsey will cover a wide-array of topics pertaining to your retirement journey, including... Can you retire? The psychology of retirement and the importance of the first five years of your retirement journey What does retirement mean? The importance of retiring to something, not just from something Income considerations in retirement – cash flow, social security, protecting your balance sheet Medical insurance considerations – Options to cover your healthcare costs, Medicare, and more! You can submit any questions you have for the advisors during the registration process. We hope to see you there! #WealthManagement #FinancialPlanning #Retirement #RetirementPlanning #Presentation #Webinar
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🌟 Planning for Retirement? Let’s Make Sure You’re Covered! 🌟 As a financial advisor specializing in retirement planning, my mission is simple: to help you prepare for a comfortable, worry-free future. From 401(k)s to cash value life insurance, I guide clients in building diverse, resilient portfolios that match their goals and lifestyles. What’s the key to a secure retirement? Starting early and making informed decisions. Every choice today shapes your tomorrow. Let’s take a holistic approach—because your retirement deserves more than a one-size-fits-all solution. Ready to talk about your financial future? Let’s connect! 💼 #RetirementPlanning #FinancialAdvisor #FutureReady #WealthManagement #FinancialSecurity #Retirement
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For some people work is a part of life, what they love to do, and they don’t think much about retirement. For others, it’s a means to get to an early retirement! If retiring before Age 65 is part of your goals, here’s a list of items to help make sure you have covered so that when you do retire, you can stay retired! 1. Health Insurance – Be sure to account for increased costs for Health Insurance premiums prior to Medicare at Age 65 2. Income – Once your company paycheck stops, have you considered where you will be getting your retirement income from? I’ve found that SAVERS have a tough time becoming SPENDERS of their retirement savings! Are you confident in how much you can take out of your accounts and make your money last? 3. You can start Social Security at Age 62, however taking it early may not always be the right decision. Sometimes it might make sense to take increased withdrawals from your retirement savings early on and let your Social Security grow and take it later. 4. Penalty-Free Money – You can take money out of your IRAs and 401ks penalty free after the Age of 59.5. Prior to age 59.5 (with some exceptions), you would face a 10% penalty. YIKES! Do you have enough money in non-retirement accounts (brokerage, Trust, Joint, Savings, etc.) to take from until you reach Age 59.5? Hit FOLLOW for more tips on retirement planning! #earlyretirement #workoptional #retirementplanning
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Retirement planning isn’t just about ensuring basic financial security; it’s about empowering yourself to live the life you envision in your golden years. We often think of CPF or savings as enough, but in reality, they might only cover the basics. Imagine retiring early or living out your dreams without the worry of finances holding you back. That’s why taking action now is crucial. 💭 Think about this: What kind of lifestyle do you want? A comfortable, debt-free life with the freedom to pursue your passions? Achieving this means starting early and ensuring your financial resources can sustain your dreams. While life insurance and critical illness policies protect your loved ones, retirement planning ensures you can protect yourself, living out your later years in comfort and dignity. I encourage you to think of retirement not as the end of a career, but as a new chapter of choice and freedom. For younger professionals, don’t wait. 🔔The earlier you plan, the more options you have. Whether you want to live differently from your parents or enjoy a lifestyle you admire, retirement should be a choice, not an obligation to keep working. Let’s start planning for a future where work is optional and life is lived fully! #VincentTay #RetirementPlanning #FinancialFreedom #EarlyRetirement #GoldenYears #FuturePlanning #LifeGoals #FinancialSecurity #RetirementReady #InvestInYourFuture #SmartPlanning #ThursdayPost
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