General Retirement Planning

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Social Security Benefits Payee Rules

If someone receiving Social Security retirement, disability or supplemental security income benefits is institutionalized, or unable to handle his money, he may have a representative payee handle payments and expenses for him. Social Security payees must follow the agency's ...

Tax Guidelines for Seniors

The golden years should bring enough leisure time to enjoy life, as well as some useful tax benefits. Unfortunately, preparing the annual tax return will remain a necessary chore as your retirement rolls along. The tax laws do afford some advantages to senior citizens, as well ...

What Percentage of Retirement Money Should Be in Stocks For a 73-Year-Old?

Asset allocation, including how much of your money to keep in stocks, takes on added importance during retirement. Your nest egg must provide income for living expenses and keep up with inflation. And the money must last as long as you do. According to the IRS life expectancy ...

Veterans Administration Retirement Benefits

Military men and women who served in the U.S. armed forces may be entitled to retirement benefits through the Veterans Administration, or VA. These retirement benefits include pensions, medical care, housing assistance and education assistance programs. To qualify, you must meet ...

Should I Withdraw My Bond Funds Before My Stock Funds in Retirement?

Retirement isn't what it used to be. Folks are living and working longer, putting off retirement sometimes well into their 70s or even 80s. As you get older, your tolerance for risk might decrease, because you have less time to recover from a mistake. That's why bonds and stocks ...

Does the Inheritance of an Annuity Affect Social Security Payments?

Receiving an inheritance annuity doesn’t affect all types of Social Security payments, but it can affect some some Social Security benefits depending on the amount of your inheritance annuity and any other assets you own. An inheritance annuity can also affect the taxation of ...

Why Choose a Nonqualified Retirement Plan

The many choices in retirement plans can be confusing for both employers and employees. Nonqualified retirement plans are the gray area of retirement planning, appealing to small businesses and large corporations alike, but for widely different reasons. As an employer or an ...

Can Veterans With 2 Years Active Duty Receive Additional Social Security Benefits?

U.S. veterans who served on active duty after January 1, 1957, and before December 31, 2001, receive additional Social Security earnings credit for their service. This credit applies only to that period -- service after 2001 receives no special credit. Called extra earnings ...

How to Take Annuitization Payouts From Deferred Annuities

A deferred annuity allows you to save for retirement on a tax-advantaged basis. Taking an annuitization payout from the annuity converts those savings into a monthly retirement income. Remember that annuitizing your deferred annuity is an irreversible action, so get all the ...

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