Monthly Archives September 2019

Does Your Plan for Retirement Include a Backstop for Unexpected Financial Setbacks?

Cuts in pensions, death of spouse could lead to a wobbly three-legged income stool. Imagine receiving a letter in the mail informing you that your monthly pension benefits were at risk of being cut by 40%. Would you have enough income to keep up with your expenses? What about maintaining the quality of your lifestyle? Questions like these place the importance of retirement income analysis at the front and center of being prepared for the unexpected. The three-legged stool metaphor of retirement planning, in which Social Security, employer pension and savings work together to provide secure income has evolved over
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