Posts Tagged ‘Guidance’

Lifestyle vs. Reality

Wednesday, October 14th, 2009


The boomer generation is tremendously optimistic about the future and their retirement years. However, are they prepared? As it turns out, not really.

A Forrester Research study in the US found that three in 10 boomers between 51 – 61 haven’t started any financial planning for retirement. In US, Strategic Guidance found that only 15% of its citizens felt fully prepared financially.

There is a new reality for boomers going into retirement.

Two thirds of boomers will be carrying debt into retirement rather than paying it off beforehand.

Instead of savings, real estate accounts for a great deal of boomer household wealth. This may lead to insufficient cash balances from which to draw on for retirement income.

Almost 45% believe they’ll be helping their children financially for the next seven to 10 years.

More than half of those surveyed don’t expect an inheritance. Their parents are living longer – and depleting the assets.

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The “Aging Boomer”

Sunday, October 11th, 2009


In January 2006, Strategic Guidance Consulting completed a comprehensive study entitled, The Aging Baby Boomer, which provides a fascinating view of their attitudes about retirement.

Aging. Boomers don’t equate retirement with age. They also feel they’ll live well past 80 years of age.

Work. Boomers want to continue being valuable – and valued – members of society. In Canada, over 50% plan to work in retirement, feeling that working longer means staying active. A Merrill Lynch study in the US puts that number even higher – over 75%. However, an even more interesting finding is that over 50% of those who wish to continue working will be doing a job that is “different than the one they had.”

Home. A significant number plan to retire in their current homes rather than purchase  a “retirement home” or spend winters in the sun.

Spending. Boomers don’t plan on adjusting their lifestyles – or spending – in retirement.

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  • Separating Retirement Wants from Retirement Needs I'm guessing that when not-yet-retired baby boomers dream ahead into their retirement future, they spend much of their time thinking about retirement "wants."  I'm referring here to travel, hobbies, entertainment, and other activities that we expect to bring us pleasure...
  • Retirement Accounts Explained We hear a lot about retirement accounts, but I wanted to spend today's post explaining the different types of accounts. Traditional IRA - Individual Retirement Account Individuals can set up these accounts and invest for their retirement. Individuals put away...
  • Yes, You Can Still Retire Comfortably! - A Book Review I read a lot in the areas of personal finance.  As a baby boomer, I make sure to include large doses of reading in retirement planning.  Regardless of your age, you should do the same.  I recently finished reading "Yes,...


Retirement Redefined

Thursday, October 8th, 2009


In a 2005 survey 87% of US citizens said they wanted to redefine the word “retirement.” For them, it’s no longer a fixed point in time, but the freedom to choose the lifestyle they want, creating balance between periods of leisure, family and friends, volunteering, education – and even work.

For the boomer generation, the notion of retirement is changing. Rather than a time for zest and relaxation, it is now considered as a time of personal reinvention and opportunity – a new, exciting chapter in life. However, the reality of retirement is changing, too. Debt, longevity, and lack of planning are just some of the factors that may influence their level of lifetime income and security. What does this mean for you? There’s an overwhelming need for advice and guidance.

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