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Securing Retirement in a Low Growth Environment

As individuals approach retirement many begin shifting their portfolio composition into a conservative allocation, consisting of more bonds than stocks. Bonds have historically provided more security than stocks while generating enough income to sustain a retiree’s lifestyle. In the present economic environment however, bond yields are hovering at record lows. As longevity and the cost of living increases, the perceived safety of bonds can be negated by the insufficient returns they provide.

Investing Retirement Funding Insights
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Social Security: Restricted Application

If an individual was born on or before January 1, 1954, is currently married, or divorced and eligible for a benefit on an ex-spouse’s record, once they reach age 66 (full retirement age) they may benefit from a restricted Social Security application strategy. Assuming they have NOT yet claimed their benefits. In the case of married couples, the optimal strategy is to have the lower-earning spouse file for their own benefits first, and then the higher-earning spouse subsequently files a ‘restricted application’ at full retirement age for their spousal benefit only and delays filing for their personal benefit until age 70.

Retirement Funding Insights
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Cost of Healthcare in Retirement

Eligibility for Medicare coverage begins at age 65. Those who retire before this age and lose health insurance coverage provided by their employer will pay considerably more for health insurance until they become eligible for Medicare. The cost of monthly premiums increases steadily with age, peaking at age 64.

Retirement Funding Insights
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Cost of Long-Term Care in California

Over half of Americans over the age of 65 will require significant long-term care at some point in their life. Long-term care entails assistance with two or more activities of daily living including; eating, bathing, dressing, transferring, and elements of hygienic maintenance.

Retirement Funding
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