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.
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Calculators

Personal Inflation Rate

Is your personal inflation rate higher or lower than the CPI?

Capital Gains Taxes

Estimate short-term and long-term federal capital gains taxes

Long-Term Care Self Insurance

Will you be able to afford nursing home care?

Cost of Retirement

Use this calculator to estimate how much income and savings you may need in retirement.

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Newsletters

Get Ready for Earnings Season

Earnings can provide a key to understanding the performance of an individual company and the behavior of the stock market in general.

Ready or Not, You're Retired!

In 2009, 47% of retirees left the workforce earlier than they expected.

When Tea Leaves Won't Do

Economic indicators can be a good source of clues about trends, but it takes experience and skill to interpret their meaning.

Estate of Emergency?

To help ensure that an estate is distributed according to one's wishes, it’s important to have certain legal documents in place.

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Market Watch

March 16, 2010 @ 04:33 AM

Dow Jones Industrials 10,642.15+ 17.46
Nasdaq Composite 2,362.21- 5.45
S&P 500 1,150.51+ 0.52

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