Retirement Blog

Monday, March 21, 2011 2:01 pm
By Jennie L. Phipps · Bankrate.com

My husband and I have been interviewing financial advisers. We were just about to make a decision when we ran the names of the two top contenders through FINRA BrokerCheck. FINRA is an acronym for the Financial Industry Regulatory Authority, a voluntary association that oversees about 630,820 registered securities representatives. Anyone can use BrokerCheck to

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Sunday, March 20, 2011 10:00 am
By Jennie L. Phipps · Bankrate.com

Owning a home these days isn’t always a blessing. Especially as you near retirement, it can get in the way of moving to a place where you’d rather live. Sometimes you can’t sell a house at all. Other times, you can’t sell it for enough to pay off the mortgage. And even if there is

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Friday, March 18, 2011 3:19 pm
By Barbara Whelehan · Bankrate.com

The 21st annual Retirement Confidence Survey that Jennie Phipps wrote about earlier this week revealed that Americans are more pessimistic than ever before about their retirement prospects. It’s good that we’re finally facing reality. But I wonder: What do employers plan to do about it? Some hints were dropped earlier this week with the release

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Thursday, March 17, 2011 1:49 pm
By Jennie L. Phipps · Bankrate.com

The thought of working when you’re older than 65 doesn’t appeal to lots of people and it’s not part of their retirement planning. When I post anything about it here, there are always frustrated and even angry comments from people who feel: They deserve a break. They’ve worked and paid into Social Security since they

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Wednesday, March 16, 2011 4:01 pm
By Jennie L. Phipps · Bankrate.com

Over the long haul, the investments on which defined benefit pensions rest have done much better than the investments that make up 401(k) plans. The reasons are, in part, beyond our control. Most of us don’t have the investment skills that the professionals who manage conventional pensions do. Plus, there is at least one more

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Tuesday, March 15, 2011 1:33 pm
By Jennie L. Phipps · Bankrate.com

If you’re nervous about your prospects for a comfortable retirement, you have lots of company. A retirement confidence survey released today by the Employee Benefit Research Institute, or EBRI, a think tank primarily supported by the financial services industry, reported that the percentage of workers who say they are not at all confident that they’ll

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Monday, March 14, 2011 2:03 pm
By Jennie L. Phipps · Bankrate.com

Fidelity Investments announced this morning that its millionaire clients — those with $1 million, excluding real estate and retirement accounts — are feeling more optimistic about the economy. Does that mean the rest of us should be encouraged? Sanjiv Mirchandani, president of National Financial, a division of Fidelity, says yes: “In many ways, the average

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Sunday, March 13, 2011 10:00 am
By Jennie L. Phipps · Bankrate.com

My husband is looking hard at retirement and over the last two weeks, we’ve interviewed investment managers to help us figure out how to live off our savings. Some of our friends have been surprised that we’re looking for outside help. After all, my husband is a CPA who has spent most of his career

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Friday, March 11, 2011 1:56 pm
By Barbara Whelehan · Bankrate.com

Americans suffer from retirement angst now more than ever. A public opinion poll released earlier this week by the National Institute on Retirement Security reveals that eight out of 10 Americans believe their Washington leaders don’t understand how difficult retirement preparation is in this economy. And 80 percent say leaders should place retirement security for Americans

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Thursday, March 10, 2011 4:16 pm
By Jennie L. Phipps · Bankrate.com

Controlling health care costs is an increasingly important part of retirement planning. Even if you’re already on Medicare, there can be expensive surprises. The most common is denial of payment for a prescribed drug — affecting about 20 percent of Medicare participants – says the Medicare Rights Center. Of those, about one in six, according to a

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