Your financial plan shouldn’t include winning the lottery

Shanna Tingom, Heritage Financial Strategies, AAMS®, and Co-Founder •
Kiplinger

If you are worried that you haven’t done what you need to in order to plan for your financial future, you aren’t alone. Fifty-eight percent of Americans say that their financial planning needs improvement, and a whopping 34% haven’t done anything to plan for their financial future, according to a Northwestern Mutual study. The study

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4 financial planning essentials to ease your retirement fears

Investment Adviser Representative, Global Wealth Management, and C. Grant Conness •
Kiplinger

When it comes to planning for retirement, it’s easy to get overwhelmed. Putting together a financial strategy can be complicated at any time of life, what with changing regulations, ups and downs in the market, and disagreements — even among the better-known investment advisers — about the best ways to save and spend money. But

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Do your homework and get a written retirement plan

Blue Heron Capital Llc, Linda Gardner, Independent Investment Adviser Representative, and Co-Founder •
Kiplinger

If you’re like most people, you may find it pretty difficult to wrap your head around what your retirement will look like. It’s just this idea that’s hanging out there — a little exciting, a little scary, but not nearly as tangible as all the things that need your attention right now: your family, your

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6 steps to retire when you want

Jane Bennett Clark, Senior Editor, and <i>Kiplinger's Personal Finance</i> •
Kiplinger

For some, the idea of retiring early is a dream nurtured over decades. For others, it’s the realization that they could walk away from their career right now and manage just fine. For still others, it comes as a virtual smack upside the head from a financial planner who asks why they’ve waited so long.

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What retirees must know about Medicare Advantage plans

Kimberly Lankford, Contributing Editor, and Kiplinger's Personal Finance •
Kiplinger

Medicare can cover most of your health care costs starting at age 65, but it leaves some big gaps: expensive deductibles and co-payments for hospital stays and doctor’s visits, and no coverage for prescription drugs. Most people supplement their Medicare coverage with a medigap plan and a Part D prescription-drug policy offered by private insurers.

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