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Retirement

How Retirement Spending Changes with Time

How Retirement Spending Changes With Time Once away from work, your cost of living may rise before it falls.  New retirees sometimes worry that they are spending too much, too soon. Should they scale back? Are they at risk of outliving their money? This concern is legitimate. Many households “live it up” and spend more than they anticipate as retirement starts to unfold. In ten or twenty years, though, they may not spend nearly as much.1 The initial stage of [...]

By |2018-07-17T12:36:02-04:00July 17th, 2018|Retirement, Saving & Budgeting|Comments Off on How Retirement Spending Changes with Time
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Annuities for Retirement Income

Annuities for Retirement Income Why seniors choose them, and what prospective annuity holders should consider.    Imagine an income stream you cannot outlive. That sums up the appeal of an annuity. If you are interested in steady retirement income (and the potential to defer taxes), you might want to look at the potential offered by annuities. Before making the leap, however, you must understand how they work. Just what is an annuity? It is an income contract you arrange with [...]

By |2018-06-29T12:31:13-04:00June 22nd, 2018|Retirement, Savings and Investing|Comments Off on Annuities for Retirement Income
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Catch Up on Retirement Saving

Catching Up on Retirement Saving If you are starting at or near 50, consider these ideas. Do you fear you are saving for retirement too late? Plan to address that anxiety with some positive financial moves. If you have little saved for retirement at age 50 (or thereabouts), there is still much you can do to generate a fund for your future and to sustain your retirement prospects. Contribute and play catch-up. This year’s standard contribution limit for an IRA [...]

By |2018-06-08T11:28:01-04:00May 17th, 2018|Retirement, Savings and Investing|Comments Off on Catch Up on Retirement Saving
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A Retirement Gender Gap

A Retirement Gender Gap Why a middle-class woman may end up less ready to retire than a middle-class man.  What is the retirement outlook for the average fifty-something working woman? As a generalization, less sunny than that of a man in her age group. Most middle-class retirees get their income from three sources. An influential 2016 National Institute on Retirement Security study called them the “three-legged stool” of retirement. Social Security provides some of that income, retirement account distributions some [...]

By |2018-06-01T11:26:45-04:00May 3rd, 2018|Retirement, Savings and Investing|Comments Off on A Retirement Gender Gap
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Retirement Plans for Individuals & Business

Retirement Plans for Individuals & Businesses A look at some of the choices.  Households are saving too little for the future. According to one new analysis, 41% of Gen Xers and 42% of baby boomers have yet to begin saving for retirement. In a recent financial industry survey, 35% of small business owners said they were planning to use the sale proceeds from their company for a retirement fund, an idea which comes with a flashing question mark.1,2 Do you [...]

By |2018-04-16T09:27:10-04:00April 5th, 2018|Personal Finance, Retirement, Savings and Investing|Comments Off on Retirement Plans for Individuals & Business
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Thank you to Salmon Falls Photography in Plymouth for use of their lovely photo in our header!

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Disclaimer

Registered Representative, Securities offered through Cambridge Investment Research, Inc., a Broker/Dealer, Member FINRA/SIPC. Investment Advisor Representative, Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Cambridge and North Light Financial Services are not affiliated. Cambridge does not offer tax advice. Office of Supervisory Jurisdiction: 46 Accord Park Drive / Norwell, MA 02061 Phone: 781-878-4063 Due to various state regulations and registration requirements concerning the dissemination of information regarding investment products and services, we are currently required to limit access of the following pages to individuals residing in states where we are currently registered: CA, FL, GA, HI, KY, IL, LA, MA, ME, NC, NE, NM, OR, RI, SC, TX, VT, WV. If we are not currently registered in your state please email us at info@northlightfinancialservices.com. We may be able to refer you to a representative in your area, or we may become registered in your state, at which time we could further discuss our services with you.

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