Sam Izad's Blog - Posts Tagged "retirement-strategies"
Demystifying Retirement Planning: Key Terms and Concepts Explained
Author: Sam Izad
Introduction
Retirement planning is a critical aspect of financial management that ensures individuals can enjoy a comfortable and secure future after they stop working. In the United States, retirement planning has become increasingly important as people live longer and face new economic challenges. This comprehensive guide aims to demystify retirement planning by explaining key technical terms and concepts associated with retirement planning in the United States.
401(k) Plan
A 401(k) plan is a tax-advantaged retirement savings account offered by employers. Employees can contribute a portion of their pre-tax income, and the funds grow tax-free until withdrawal during retirement. Employers often match a percentage of the employee's contributions, making it a powerful tool for retirement savings.
Traditional IRA
An Individual Retirement Account (IRA) is a personal savings account with tax advantages. A Traditional IRA allows individuals to contribute pre-tax dollars, reducing their taxable income for the year. The funds grow tax-deferred until withdrawal, usually during retirement when tax rates may be lower.
Roth IRA
A Roth IRA is another type of Individual Retirement Account. Unlike a Traditional IRA, contributions to a Roth IRA are made with after-tax dollars. The advantage is that qualified withdrawals, including earnings, are tax-free in retirement.
Social Security
Social Security is a federal program that provides retirement, disability, and survivor benefits. Throughout their working years, individuals contribute a portion of their income to the Social Security system. Upon reaching retirement age, individuals are eligible to receive a monthly income based on their work history and contributions.
Defined Benefit Plan
A Defined Benefit Plan is an employer-sponsored retirement plan where the employer guarantees a specific retirement benefit based on factors such as salary, years of service, and age. These plans are less common today, as they require employers to bear the investment risk and potential shortfalls.
Defined Contribution Plan
A Defined Contribution Plan is a retirement plan where contributions are made by both the employer and the employee. The benefit is based on the contributions made and the investment performance of the plan. The most common type of defined contribution plan is the 401(k) plan.
Annuity
An annuity is a financial product that provides a guaranteed income stream for a specific period or for life. Individuals can purchase annuities with a lump sum or through regular payments. Annuities are often used to supplement retirement income, providing a stable cash flow during retirement.
Required Minimum Distribution (RMD)
RMD refers to the minimum amount individuals with tax-advantaged retirement accounts, such as 401(k) plans or Traditional IRAs, must withdraw annually once they reach the age of 72 (70½ for those born before July 1, 1949). The RMD is calculated based on life expectancy and the account balance, ensuring that funds are gradually distributed and taxed.
Asset Allocation
Asset allocation is the strategy of dividing investment funds among different asset classes, such as stocks, bonds, and cash equivalents. It is crucial to balance risk and reward based on an individual's risk tolerance, investment goals, and time horizon. Proper asset allocation is key to optimizing returns and managing risk in retirement planning.
Diversification
Diversification is the practice of spreading investments across different assets, industries, and geographical regions to reduce risk. By diversifying their portfolio, individuals can minimize the impact of market fluctuations on their overall retirement savings.
Inflation
Inflation refers to the increase in prices of goods and services over time. In retirement planning, accounting for inflation is crucial to ensure that the purchasing power of savings does not erode over the long term. Inflation can significantly impact retirement income and the ability to maintain a desired lifestyle.
Long-Term Care Insurance
Long-term care insurance is a type of coverage that helps individuals pay for extended care services, such as nursing home care or in-home assistance, in the event of a chronic illness or disability. It can protect retirement savings from being depleted by high healthcare costs.
Conclusion
Retirement planning in the United States requires a comprehensive understanding of various technical terms and concepts. This guide has provided an overview of essential terms related to retirement planning, including 401(k) plans, IRAs, Social Security, defined benefit and defined contribution plans, annuities, RMDs, asset allocation, diversification, inflation, and long-term care insurance. By familiarizing themselves with these terms, individuals can make informed decisions and develop effective retirement strategies that align with their financial goals and aspirations.
#RetirementPlanning #FinancialFreedom #USRetirement #RetirementStrategies #InvestmentPlanning #401k #IRAs #SocialSecurity #Annuities #AssetAllocation #Diversification #RMD #LongTermCareInsurance #FinancialSecurity #InflationProtection #RetirementIncome #SavingsGoals #FuturePlanning #RetirementSavings #FinancialEducation #WealthManagement #RetirementGoals #FinancialPlanning #RetireWell #SecureFuture #RetirementReadiness #RetirementGuide #FinancialLiteracy #RetirementPreparation #RetirementOptions #RetirementTips
Introduction
Retirement planning is a critical aspect of financial management that ensures individuals can enjoy a comfortable and secure future after they stop working. In the United States, retirement planning has become increasingly important as people live longer and face new economic challenges. This comprehensive guide aims to demystify retirement planning by explaining key technical terms and concepts associated with retirement planning in the United States.
401(k) Plan
A 401(k) plan is a tax-advantaged retirement savings account offered by employers. Employees can contribute a portion of their pre-tax income, and the funds grow tax-free until withdrawal during retirement. Employers often match a percentage of the employee's contributions, making it a powerful tool for retirement savings.
Traditional IRA
An Individual Retirement Account (IRA) is a personal savings account with tax advantages. A Traditional IRA allows individuals to contribute pre-tax dollars, reducing their taxable income for the year. The funds grow tax-deferred until withdrawal, usually during retirement when tax rates may be lower.
Roth IRA
A Roth IRA is another type of Individual Retirement Account. Unlike a Traditional IRA, contributions to a Roth IRA are made with after-tax dollars. The advantage is that qualified withdrawals, including earnings, are tax-free in retirement.
Social Security
Social Security is a federal program that provides retirement, disability, and survivor benefits. Throughout their working years, individuals contribute a portion of their income to the Social Security system. Upon reaching retirement age, individuals are eligible to receive a monthly income based on their work history and contributions.
Defined Benefit Plan
A Defined Benefit Plan is an employer-sponsored retirement plan where the employer guarantees a specific retirement benefit based on factors such as salary, years of service, and age. These plans are less common today, as they require employers to bear the investment risk and potential shortfalls.
Defined Contribution Plan
A Defined Contribution Plan is a retirement plan where contributions are made by both the employer and the employee. The benefit is based on the contributions made and the investment performance of the plan. The most common type of defined contribution plan is the 401(k) plan.
Annuity
An annuity is a financial product that provides a guaranteed income stream for a specific period or for life. Individuals can purchase annuities with a lump sum or through regular payments. Annuities are often used to supplement retirement income, providing a stable cash flow during retirement.
Required Minimum Distribution (RMD)
RMD refers to the minimum amount individuals with tax-advantaged retirement accounts, such as 401(k) plans or Traditional IRAs, must withdraw annually once they reach the age of 72 (70½ for those born before July 1, 1949). The RMD is calculated based on life expectancy and the account balance, ensuring that funds are gradually distributed and taxed.
Asset Allocation
Asset allocation is the strategy of dividing investment funds among different asset classes, such as stocks, bonds, and cash equivalents. It is crucial to balance risk and reward based on an individual's risk tolerance, investment goals, and time horizon. Proper asset allocation is key to optimizing returns and managing risk in retirement planning.
Diversification
Diversification is the practice of spreading investments across different assets, industries, and geographical regions to reduce risk. By diversifying their portfolio, individuals can minimize the impact of market fluctuations on their overall retirement savings.
Inflation
Inflation refers to the increase in prices of goods and services over time. In retirement planning, accounting for inflation is crucial to ensure that the purchasing power of savings does not erode over the long term. Inflation can significantly impact retirement income and the ability to maintain a desired lifestyle.
Long-Term Care Insurance
Long-term care insurance is a type of coverage that helps individuals pay for extended care services, such as nursing home care or in-home assistance, in the event of a chronic illness or disability. It can protect retirement savings from being depleted by high healthcare costs.
Conclusion
Retirement planning in the United States requires a comprehensive understanding of various technical terms and concepts. This guide has provided an overview of essential terms related to retirement planning, including 401(k) plans, IRAs, Social Security, defined benefit and defined contribution plans, annuities, RMDs, asset allocation, diversification, inflation, and long-term care insurance. By familiarizing themselves with these terms, individuals can make informed decisions and develop effective retirement strategies that align with their financial goals and aspirations.
#RetirementPlanning #FinancialFreedom #USRetirement #RetirementStrategies #InvestmentPlanning #401k #IRAs #SocialSecurity #Annuities #AssetAllocation #Diversification #RMD #LongTermCareInsurance #FinancialSecurity #InflationProtection #RetirementIncome #SavingsGoals #FuturePlanning #RetirementSavings #FinancialEducation #WealthManagement #RetirementGoals #FinancialPlanning #RetireWell #SecureFuture #RetirementReadiness #RetirementGuide #FinancialLiteracy #RetirementPreparation #RetirementOptions #RetirementTips
Overcoming Retirement Anxiety: 61% of Americans say they're more scared of running out of money than of dying
Article by Sam Izad
Retirement is supposed to be a time of relaxation, freedom, and enjoyment after years of hard work. However, for an increasing number of Americans, the prospect of going broke during retirement looms larger than the fear of death itself. In a recent survey conducted by Allianz Life, a staggering 61% of respondents expressed their fear of running out of money in retirement, and this fear is impacting Americans' confidence in their financial futures.
The Rising Retirement Anxiety
Various factors contribute to the rising retirement anxiety among Americans. Stubborn inflation, interest rate hikes, market volatility, and recent financial crises have left many struggling to make ends meet in the present, leaving little room to plan for a secure financial future. Nearly half of the respondents in the survey revealed that they have either reduced or completely stopped saving for retirement due to these financial challenges. As a result, they now face the real possibility of outliving their money.
Kelly LaVigne, Vice President of Consumer Insights at Allianz Life, stresses the importance of having a well-thought-out retirement plan and sticking to it. Leaving retirement to chance is no longer an option in today's uncertain financial landscape.
Low Retirement Confidence Across Generations
The survey reveals that Gen Xers and millennials are more pessimistic about their financial futures than baby boomers. This is understandable, given the financial upheavals experienced by these younger generations, from financial crises to political uncertainty and the global pandemic.
Gen Xers, in particular, are feeling the weight of uncertainty as they approach retirement age. Their confidence in their ability to financially support their future needs has trended downward, with many not feeling ready for retirement. A significant number of Gen Xers lack clarity about how much money they need to save for retirement, how long their savings will last, and worry that they won't have enough saved for retirement.
The Challenges of Rising Costs
A common thread among all generations is the challenge of rising living costs. With 67% of Gen Xers reporting that their income isn't keeping up, it's no wonder they feel anxious about their financial futures.
Moving from Anxiety to Action
While the statistics may be alarming, there are proactive steps individuals can take to alleviate retirement anxiety and secure their financial futures:
Create a Detailed Retirement Plan: Working with a financial advisor to develop a comprehensive retirement plan can provide clarity on savings goals and expected expenses during retirement.
Increase Savings: Even small increases in regular savings contributions can add up significantly over time. Committing to consistent saving is essential for building a robust retirement nest egg.
Diversify Investments: Diversifying investments can help mitigate risks and ensure a more stable financial future. A well-balanced investment portfolio can weather market fluctuations.
Stay Informed: Staying informed about financial news and trends can help individuals make informed decisions and adjust their strategies accordingly.
Seek Professional Guidance: Consulting with a financial advisor can offer valuable insights and personalized advice to navigate the complexities of retirement planning.
In conclusion, the fear of running out of money in retirement is a legitimate concern for many Americans. However, rather than letting anxiety paralyze them, individuals can take proactive steps to safeguard their financial futures. By developing a well-thought-out retirement plan, increasing savings, diversifying investments, staying informed, and seeking professional guidance, Americans can move from anxiety to action and approach retirement with confidence and peace of mind. The journey to a secure financial future begins with taking the first step towards planning for retirement wisely.
#RetirementAnxiety #FinancialFears #RunningOutOfMoney #SecureFinancialFuture #RetirementPlanning #FinancialFreedom #RetirementGoals #InvestingWisely #FinancialSecurity #RetirementPreparation #FearofRunningOutofMoney #FinancialPlanning #RetirementJourney #FinancialConfidence #RetirementSavings #RetirementSolutions #OvercomingAnxiety #FinancialAdvice #RetirementReadiness #FinancialPreparedness #FinancialWellBeing #RetirementStrategies #RetirementWorries #RetirementPreparedness #FinancialSuccess #RetirementChallenges #RetirementTips #RetirementPeaceOfMind #FinancialGuidance #RetirementLife #RetirementDreams
Retirement is supposed to be a time of relaxation, freedom, and enjoyment after years of hard work. However, for an increasing number of Americans, the prospect of going broke during retirement looms larger than the fear of death itself. In a recent survey conducted by Allianz Life, a staggering 61% of respondents expressed their fear of running out of money in retirement, and this fear is impacting Americans' confidence in their financial futures.
The Rising Retirement Anxiety
Various factors contribute to the rising retirement anxiety among Americans. Stubborn inflation, interest rate hikes, market volatility, and recent financial crises have left many struggling to make ends meet in the present, leaving little room to plan for a secure financial future. Nearly half of the respondents in the survey revealed that they have either reduced or completely stopped saving for retirement due to these financial challenges. As a result, they now face the real possibility of outliving their money.
Kelly LaVigne, Vice President of Consumer Insights at Allianz Life, stresses the importance of having a well-thought-out retirement plan and sticking to it. Leaving retirement to chance is no longer an option in today's uncertain financial landscape.
Low Retirement Confidence Across Generations
The survey reveals that Gen Xers and millennials are more pessimistic about their financial futures than baby boomers. This is understandable, given the financial upheavals experienced by these younger generations, from financial crises to political uncertainty and the global pandemic.
Gen Xers, in particular, are feeling the weight of uncertainty as they approach retirement age. Their confidence in their ability to financially support their future needs has trended downward, with many not feeling ready for retirement. A significant number of Gen Xers lack clarity about how much money they need to save for retirement, how long their savings will last, and worry that they won't have enough saved for retirement.
The Challenges of Rising Costs
A common thread among all generations is the challenge of rising living costs. With 67% of Gen Xers reporting that their income isn't keeping up, it's no wonder they feel anxious about their financial futures.
Moving from Anxiety to Action
While the statistics may be alarming, there are proactive steps individuals can take to alleviate retirement anxiety and secure their financial futures:
Create a Detailed Retirement Plan: Working with a financial advisor to develop a comprehensive retirement plan can provide clarity on savings goals and expected expenses during retirement.
Increase Savings: Even small increases in regular savings contributions can add up significantly over time. Committing to consistent saving is essential for building a robust retirement nest egg.
Diversify Investments: Diversifying investments can help mitigate risks and ensure a more stable financial future. A well-balanced investment portfolio can weather market fluctuations.
Stay Informed: Staying informed about financial news and trends can help individuals make informed decisions and adjust their strategies accordingly.
Seek Professional Guidance: Consulting with a financial advisor can offer valuable insights and personalized advice to navigate the complexities of retirement planning.
In conclusion, the fear of running out of money in retirement is a legitimate concern for many Americans. However, rather than letting anxiety paralyze them, individuals can take proactive steps to safeguard their financial futures. By developing a well-thought-out retirement plan, increasing savings, diversifying investments, staying informed, and seeking professional guidance, Americans can move from anxiety to action and approach retirement with confidence and peace of mind. The journey to a secure financial future begins with taking the first step towards planning for retirement wisely.
#RetirementAnxiety #FinancialFears #RunningOutOfMoney #SecureFinancialFuture #RetirementPlanning #FinancialFreedom #RetirementGoals #InvestingWisely #FinancialSecurity #RetirementPreparation #FearofRunningOutofMoney #FinancialPlanning #RetirementJourney #FinancialConfidence #RetirementSavings #RetirementSolutions #OvercomingAnxiety #FinancialAdvice #RetirementReadiness #FinancialPreparedness #FinancialWellBeing #RetirementStrategies #RetirementWorries #RetirementPreparedness #FinancialSuccess #RetirementChallenges #RetirementTips #RetirementPeaceOfMind #FinancialGuidance #RetirementLife #RetirementDreams
The Three Stages of Retirement: Go-Go Years, Slow-Go Years, and No-No Years
Article by Sam Izad
Retirement is a phase of life that many people eagerly anticipate. It marks the end of a lifelong career and the beginning of a new chapter filled with possibilities, leisure, and relaxation. However, retirement is not a monolithic experience; rather, it unfolds in three distinct stages: the Go-Go years, Slow-Go years, and No-No years. Each stage brings its own set of challenges and opportunities, and understanding these stages can help retirees navigate their retirement journey with confidence and foresight.
Stage 1: Go-Go Years
The Go-Go years, often spanning the early phase of retirement, are marked by a sense of liberation and enthusiasm. This stage is typically characterized by retirees' desire to be active, explore new experiences, and fulfill long-held aspirations.
Embracing Adventures
During the Go-Go years, retirees often embrace a spirit of adventure. Many take advantage of their newfound free time to travel to exotic destinations, embark on road trips, or engage in thrilling activities such as skydiving or scuba diving. This adventurous spirit is fueled by the realization that life is for living, and retirement provides the perfect opportunity to explore the world.
Pursuing Hobbies and Passions
With more time on their hands, retirees delve into hobbies and interests that may have taken a backseat during their working years. Whether it's painting, writing, playing a musical instrument, or taking up a sport, the Go-Go years offer retirees the chance to rediscover and immerse themselves in their passions.
Social Engagements
Social connections play a significant role during the Go-Go years. Retirees often seek out new friendships, join clubs, or participate in community activities to stay socially engaged. These interactions not only provide companionship but also foster a sense of belonging and purpose.
Financial Considerations
While the Go-Go years can be exhilarating, retirees must strike a balance between enjoying their newfound freedom and maintaining financial stability. It is essential to budget wisely to ensure sustainable financial security throughout retirement.
Stage 2: Slow-Go Years
The Slow-Go years follow the Go-Go years and represent a period of transition from an active and adventurous lifestyle to a more measured and contemplative one. This phase is often characterized by a desire for balance and well-being.
Emphasizing Well-being
Retirees in the Slow-Go years prioritize their physical and emotional well-being. Regular exercise, balanced nutrition, and mindfulness practices become more integral to maintaining good health and vitality.
Focus on Relationships
With the initial excitement of retirement beginning to wane, retirees in the Slow-Go years place a higher value on spending quality time with family and close friends. Building and nurturing these relationships becomes a central aspect of life during this stage.
Engaging in Lifelong Learning
Many retirees continue to seek intellectual stimulation by enrolling in courses, attending lectures, or pursuing creative outlets. Lifelong learning not only keeps the mind sharp but also fosters personal growth and fulfillment.
Financial Adjustments
As the pace of life slows down, financial priorities may shift. Spending patterns may change as retirees focus on maintaining financial security while ensuring they have sufficient resources for future years.
Stage 3: No-No Years
The No-No years, also known as the late-stage of retirement, represent a time when retirees may face increased health challenges and may require additional support and care.
Health and Support
During the No-No years, health concerns may become more pronounced. Retirees may need to grapple with age-related illnesses or mobility issues, necessitating various levels of support and healthcare services.
Legacy and End-of-life Planning
Retirees in the No-No years often contemplate their legacy and end-of-life plans. They may work with estate planners to ensure their assets are distributed according to their wishes, and they may consider charitable giving or leaving a lasting impact on their community.
Financial Prudence
With potential increased healthcare costs and a need for specialized care, financial management becomes critical during this stage. Retirees must ensure that their financial resources are sufficient to cover medical expenses while preserving their quality of life.
Conclusion
Retirement is a multi-faceted journey, consisting of three distinct stages: the Go-Go years, Slow-Go years, and No-No years. Each stage brings unique experiences, challenges, and opportunities. By understanding and planning for these stages, retirees can make informed decisions, cultivate a fulfilling retirement, and safeguard their financial and emotional well-being throughout their golden years. Embracing the diversity of each stage ensures that retirement remains a time of joy, growth, and fulfillment, enabling retirees to savor the rewards of a life well-lived.
#RetirementJourney #GoGoYears #SlowGoYears #NoNoYears #RetirementStages #GoldenYears #RetirementLife #RetirementPlanning #RetirementInsights #LifeAfterWork #NewChapter #LifeTransitions #SeniorLiving #RetirementGoals #EnjoyingRetirement #RetirementWisdom #Specialization #NicheMarkets #SuccessInRetirement #FinancialSecurity #RetirementCommunity #EmbracingRetirement #RetireeLife #RetirementStrategies #FinancialPlanning #RetirementHappiness #RetirementExperience #RichesInNiches #RetirementProsperity #RetirementArticle #RetirementGuide
Retirement is a phase of life that many people eagerly anticipate. It marks the end of a lifelong career and the beginning of a new chapter filled with possibilities, leisure, and relaxation. However, retirement is not a monolithic experience; rather, it unfolds in three distinct stages: the Go-Go years, Slow-Go years, and No-No years. Each stage brings its own set of challenges and opportunities, and understanding these stages can help retirees navigate their retirement journey with confidence and foresight.
Stage 1: Go-Go Years
The Go-Go years, often spanning the early phase of retirement, are marked by a sense of liberation and enthusiasm. This stage is typically characterized by retirees' desire to be active, explore new experiences, and fulfill long-held aspirations.
Embracing Adventures
During the Go-Go years, retirees often embrace a spirit of adventure. Many take advantage of their newfound free time to travel to exotic destinations, embark on road trips, or engage in thrilling activities such as skydiving or scuba diving. This adventurous spirit is fueled by the realization that life is for living, and retirement provides the perfect opportunity to explore the world.
Pursuing Hobbies and Passions
With more time on their hands, retirees delve into hobbies and interests that may have taken a backseat during their working years. Whether it's painting, writing, playing a musical instrument, or taking up a sport, the Go-Go years offer retirees the chance to rediscover and immerse themselves in their passions.
Social Engagements
Social connections play a significant role during the Go-Go years. Retirees often seek out new friendships, join clubs, or participate in community activities to stay socially engaged. These interactions not only provide companionship but also foster a sense of belonging and purpose.
Financial Considerations
While the Go-Go years can be exhilarating, retirees must strike a balance between enjoying their newfound freedom and maintaining financial stability. It is essential to budget wisely to ensure sustainable financial security throughout retirement.
Stage 2: Slow-Go Years
The Slow-Go years follow the Go-Go years and represent a period of transition from an active and adventurous lifestyle to a more measured and contemplative one. This phase is often characterized by a desire for balance and well-being.
Emphasizing Well-being
Retirees in the Slow-Go years prioritize their physical and emotional well-being. Regular exercise, balanced nutrition, and mindfulness practices become more integral to maintaining good health and vitality.
Focus on Relationships
With the initial excitement of retirement beginning to wane, retirees in the Slow-Go years place a higher value on spending quality time with family and close friends. Building and nurturing these relationships becomes a central aspect of life during this stage.
Engaging in Lifelong Learning
Many retirees continue to seek intellectual stimulation by enrolling in courses, attending lectures, or pursuing creative outlets. Lifelong learning not only keeps the mind sharp but also fosters personal growth and fulfillment.
Financial Adjustments
As the pace of life slows down, financial priorities may shift. Spending patterns may change as retirees focus on maintaining financial security while ensuring they have sufficient resources for future years.
Stage 3: No-No Years
The No-No years, also known as the late-stage of retirement, represent a time when retirees may face increased health challenges and may require additional support and care.
Health and Support
During the No-No years, health concerns may become more pronounced. Retirees may need to grapple with age-related illnesses or mobility issues, necessitating various levels of support and healthcare services.
Legacy and End-of-life Planning
Retirees in the No-No years often contemplate their legacy and end-of-life plans. They may work with estate planners to ensure their assets are distributed according to their wishes, and they may consider charitable giving or leaving a lasting impact on their community.
Financial Prudence
With potential increased healthcare costs and a need for specialized care, financial management becomes critical during this stage. Retirees must ensure that their financial resources are sufficient to cover medical expenses while preserving their quality of life.
Conclusion
Retirement is a multi-faceted journey, consisting of three distinct stages: the Go-Go years, Slow-Go years, and No-No years. Each stage brings unique experiences, challenges, and opportunities. By understanding and planning for these stages, retirees can make informed decisions, cultivate a fulfilling retirement, and safeguard their financial and emotional well-being throughout their golden years. Embracing the diversity of each stage ensures that retirement remains a time of joy, growth, and fulfillment, enabling retirees to savor the rewards of a life well-lived.
#RetirementJourney #GoGoYears #SlowGoYears #NoNoYears #RetirementStages #GoldenYears #RetirementLife #RetirementPlanning #RetirementInsights #LifeAfterWork #NewChapter #LifeTransitions #SeniorLiving #RetirementGoals #EnjoyingRetirement #RetirementWisdom #Specialization #NicheMarkets #SuccessInRetirement #FinancialSecurity #RetirementCommunity #EmbracingRetirement #RetireeLife #RetirementStrategies #FinancialPlanning #RetirementHappiness #RetirementExperience #RichesInNiches #RetirementProsperity #RetirementArticle #RetirementGuide
