Distribution Phase

Income Distribution

Americans face a complex challenge:

Millions of "baby boomers" are at or nearing retirement and face the dilemma of securing an income stream that lasts an entire lifetime. Their biggest fear is the fear of running out of money!
 
Most boomers parents and grandparents retired at 65 and lived to age 72, a seven-year concern. They also had social security and possibly a company pension. Today's retirees face the daunting task of planning for 25-35 years of retirement income with less social security, fewer company pensions, and expensive health care. Add to this, the potential for a nursing home stay, inflation, taxes, higher energy costs and you can understand the importance of proper retirement income planning.
 
Millions of Americans are transitioning from full-time work into retirement, they are moving from the accumulation phase - building wealth through savings and investments - to the distribution phase, drawing on those savings and investments for income they can rely on for the rest of their lives. This transition involves a major shift in financial tactics and planning to manage these high stake risks.
  • Articles

    Articles

    Educate yourself on a variety of financial topics.

  • Calculators

    Calculators

    A host of financial tools to assist you.

  • Newsletters

    Newsletters

    Timely Newsletters to help you stay current.

  • E-Seminars

    E-Seminars

    Animated presentations to help you learn and decide.

  • iMoney

    iMoney

    Ideas to help simplify everyday finances.

  • Glossary

    Glossary

    Financial terms from A to Z.

  • Tax Library

    Tax Library

    Manage your taxes and prepare for the upcoming tax season.

Savings Goals

How much do you need to save each year to meet your long-term financial goals?

Mortgage Acceleration

This calculator can help you determine how soon you can pay off your mortgage.

Cash Flow Analysis

This Cash Flow Analysis form will help you weigh your income vs. your expenses.

Tax-Deferred Savings

Compare the potential future value of tax-deferred investments to that of taxable investments.

More Calculators →

The Board of Directors: A Key to Company Success

Given the wide and important role that the board plays, it is a good idea to look beyond the glossy portraits and become familiar with the individuals tasked with guarding shareholder wealth.

Getting Something for Giving

Charitable trusts may help your charity of choice while also providing you with potential tax benefits.

HOT TOPIC: Investors Flock to Bond Funds, But What Happens When Rates Rise?

Investors are on track to invest 11 times more money in bond funds in 2009 than they will invest in stock funds. This is not surprising, considering the market volatility in 2008, but are these investors operating on false assumptions about the capabilities of bond funds?

New Year: Check and (Re)balance

Even if people have become jaded about making new year's resolutions, it shouldn't stop them from doing what they need to do to accomplish their financial goals.

More Newsletters →

July 31, 2010 @ 05:42 PM

Dow Jones Industrials 10,465.94- 1.22
Nasdaq Composite 2,254.70+ 3.01
S&P 500 1,101.60+ 0.07

[ Markets | Charts | Quotes | Portfolio ]


Market data delayed per exchange rules.
All quotes are in US Eastern Time (EST).
© eSignal. A division of
Interactive Data Corporation. (NYSE:IDC)
All rights reserved.