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by Jeff C. Johnson


Putting It All Together Before Retiring

I haven’t retired, and I don’t plan to; maybe I never will, if I can pull it off. So, what do I know about retirement? For nearly four decades I’ve worked with, counseled, and watched hundreds (maybe thousands) of people as they stepped into “life after work,” which is commonly called retirement. Sometimes it’s awesome;...

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by Jeff C. Johnson


Delaying Social Security Income: What’s It Worth?

If you are eligible for Social Security retirement income (SSI) benefits, you have some choices to make. If you’re hazy on this subject, read on; it could be worth a few hundred thousand dollars in additional lifetime income. For the purposes of this “introduction” to the SSI claiming decision, understand that this is an overview,...

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by Jeff C. Johnson


You Might Have the Best Pension Ever Created

Too many people downplay the importance and value of Social Security retirement income (SSI) or take a casual approach to electing their distributions. Let me be clear that SSI might be the best pension ever created (that’s my opinion, not my employer’s). Here’s why. One can claim SSI at retirement age, early at 62 or...

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by Jeff C. Johnson


Where to Live in Your Retirement Years

We are a mobile society, that’s pretty clear. A couple generations ago, many families lived, worked, retired, and were buried in one locale. Today, it’s not a given. Magazine articles and blog posts with titles like “Best Places to Retire” are everywhere, adding that decision to the retirement-planning process. Sometimes it’s confusing, and sometimes it’s...

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by Jeff C. Johnson


Why You Should Build a Bond Ladder

Making regular monthly contributions of a fixed amount into a retirement plan over a working career can make even an average-performing investment look good. The investment strategy known as “dollar-cost averaging” effectively forces investors to buy more shares when prices are down, potentially a very profitable practice during your accumulation years. Dollar-cost averaging is not...

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