Legacy planning is often the last piece folks tackle in their financial planning, because it’s the least appealing to think about. Planning for a robust nest egg that will keep you safe, secure, and fulfilled when you stop working? Fun! Deciding what to do with your assets when you’re no longer around to… Read more »
Northwestern University’s SuperAging Study defines a “SuperAger” as a person in their 80’s whose cognitive function is comparable to an average middle-aged person. These are the “sharp” seniors who keep learning, keep growing, and keep adapting to whatever life throws at them. SuperAgers also lose brain matter at a slower rate than average seniors and… Read more »
The Buffalo News’ Natalie Brophy and Grant Ashley interviewed Tony Ogorek for his insight into the restart of college loan payments and what borrowers should do next. Read the entire Interview
This is the final installment in our four part series on Social Security (if you have not read the previous blogs, here are the links to Part 1, Part 2, and Part 3). We’ve talked about the numbers, and it’s clear that waiting as long as possible to claim Social Security will generate the greatest monthly benefit;… Read more »
What is your money for? That’s maybe the most important question that our planning process helps people to answer. If the purpose of life was just to make more money, then no one would ever stop working. The best uses of our time and our money lead us to more meaningful experiences that help… Read more »
Sometimes we gain insights in the most unremarkable settings. While celebrating our granddaughter’s fifth birthday last week, it struck me how different the world of an infant is today, from when our kids were her age; and how companies that cater to the infant demographic have succeeded in getting us to spend way more on… Read more »
Tired of climbing the corporate ladder? Then maybe it’s time to ditch the ladder. Here are three reasons why thinking about your career as a jungle gym could help you achieve more and improve your Return on Life. Take a big swing sideways. In today’s job market and corporate environment, less and… Read more »
If you’re about to retire but not really looking forward to it, maybe it’s time to schedule something you will look forward to. Kicking off your retirement with a well-deserved vacation can ease you into this complicated transition and give you a small taste of everything you have to look forward to. Here are… Read more »
When is the best time to commence benefits? Examining the breakeven point for delaying benefits versus your life expectancy may provide some clues. Breakeven Point At what age will you break even and come out ahead if you delay Social Security? The chart above shows total lifetime benefits based on the age you started… Read more »