William Reichenstein , CFA, holds the Pat and Thomas R. Powers Chair in Investment Management at Baylor University and is head of research at Social Security Solutions, Inc .
AAII Web Author .


Discussion

Frank from CA posted over 3 years ago:

I find the article helpful. There are very few articles on financial planning in retirement.


Fred from IN posted over 3 years ago:

I found the article useful. It would be of additional use if the author would recommend additional articles or books that offer more detail on retirement financial planning.


Juanita from FL posted over 3 years ago:

Very helpful. Am considering a Charitable Gift Annuity. Seems to be a good fit for both long term income and avoiding tax rate increases. Major portion of income would be tax free for over 15 years. I am 70 now, have a partially inflation adjusted retirement income and sizable assets. Long term projections show the annuity would reduce estate remainder by small percentage, assuming newer high tax rates pass. Else will likely stay with TIPS for those funds.


Wayne from LA posted over 3 years ago:

Lot's of good info here. Will Have to bookmark for a reread.


Michael from CA posted over 3 years ago:

Interesting , But I suppose the author didn't think about ederly couples
Say a Man who is 84 and is Wife is 78
Getting income from their investments and both have social secutity benefits
Their investments total 1.25 million dollars
Any ideas ?


Larry from MN posted over 3 years ago:

I found it very helpful as I am looking at moving from a finacial advisor to doing it myself, mostly with index funds.


Marilynn from MD posted over 3 years ago:

Hi -- I'm fishing for ideas too. Am 67 and have a small IRA, which paid off at the get-go with a nice (tax) return: approx. $2k on a $6k contribution. But now it sits. Not impressed with the ETF performance chart, but looking for some reasonably safe ideas for div/growth w/in 5 years.


Edward from NY posted over 2 years ago:

I am definitely interested in guidelines for the use of Charitable Gift Annuities. They seem very attractive in providing a tax deduction to help offset the RMD from my IRA, partially taxable income, and a donation to relevant charities. I do not need to leave a legacy to heirs. But I do not want to put too much into the annuities since the contribution cannot be recovered. Also, the rates that the annuities pay may change from year to year. I am 68, with Social Security and sufficient assets for my current lifestyle.
Ed from New York


George from AL posted over 2 years ago:

Very good article. I am 79, manage the family retirement accounts and this is useful information. May be little heavy into stocks.


Robert B from CO posted over 2 years ago:

Good Article...supports my idea of one size does not fit all retirees which is what you usually see!


Jerome Paananen from FL posted about 1 year ago:

On the fixed income side I likr GNMA and Munis. To offset inflatiom I like TIPs and GLD and GLD can help with deflation.


LTom D from AZ posted about 1 year ago:

I believe everyone has a different set of circumstances. In my case (I'm 85 wife 80, both in good health)I have oil income to live off. I have an IRA, Roth IRA and a Trust of $750,000 that I will leave to my Children. Your recommendations of investment for the IRA's and investments for the trust to minimize tases'


ronad from california posted 6 months ago:

What would the investment allocation be if you did not need to withdraw from your investments? You could live on pension and social security.
What does one do with RMD dollars in above situation?


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