Retirement Planning ? 3 Key Questions - BCWS Blog
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If you're between the ages of 55 and 65, you've probably spent at least a little time dreaming about life after work. But before you turn off the computer and turn in your retirement paperwork, consider three important questions.
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Studies show that the number of older Americans either holding jobs or looking for work has been rising for at least 15 years. Of course, some folks seek employment out of necessity: bills need to get paid. But for many people, work also provides needed social interaction and a sense of satisfaction. Consequently, some may decide to work at least part-time during retirement ? whether or not they need the money. Another idea that's gaining popularity is called "serial employment." With this strategy, you spend part of your "retirement" years employed in a series of full-time jobs interspersed with periods of travel and leisure. Such a plan can generate a healthy supplemental income for you and benefits for talent-starved employers.
3.? Have you saved enough?
This is the million-dollar question.
How much money you'll need to comfortably retire depends on many factors, including the status of your mortgage and other loans, your general health, expected rates of return on your investments, the size of your current nest egg, life expectancy, plans during retirement (including travel), pensions and other sources of income, the cost of health care and insurance, and myriad other considerations.
One size doesn't fit all. So it's important to confer with a trusted advisor who'll help you take a hard look at the numbers - before you wave goodbye to your employer. Your trusted team at BCWS is here to help provide guidance in your retirement planning.
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Source: http://bcwscpa.blogspot.com/2012/10/retirement-planning-3-key-questions.html
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