Over 59 1/2? Consider the Benefits of an In-Service Withdrawal from Your Company Retirement Plan

Tuesday, 08 March 2016

Over 59 1/2? Consider the Benefits of an In-Service Withdrawal from Your Company Retirement Plan

Many employees love the convenience of investing in 401(k)s, 403(b)s or other qualified employer retirement plans.

With automatic contributions, prepackaged investment choices, and employer matching—the system enables an easy retirement savings process.

But many feel stuck with the inflexibility of 401(k)s. The investment choices can be limited and may only include expensive actively managed mutual funds or target date funds. Depending on the individual, these options might not be the best.

When It Comes to Finances, Get A Routine and Stick to It

Tuesday, 09 February 2016
Robert E. Dockendorff, JD, LL.M

When It Comes to Finances, Get A Routine and Stick to It

“Everyone has a plan until they get hit in the mouth.” – Mike Tyson

As January gym crowds shrink and many Americans slip into their old routines, we’re reminded of the difficulties in developing disciplined and consistent habits towards achieving a long term goal. As busy professionals, our schedules change rapidly, and too often, our best laid plans go awry. After a few weeks of work, there are no immediate results and it becomes easier to ditch the gym for drinks after work, or have a few too

Enhancing Retirement Cash Flow with the New and Improved Reverse Mortgage

Enhancing Retirement Cash Flow with the New and Improved Reverse Mortgage
Part I: The Basic Retirement Planning Equation

Retirees must fund an enjoyable lifestyle without working, which is no small feat. With fewer pensions, lackluster social security benefits, low-interest rates, and significant market volatility—hard-earned retirement savings may not last until age 90 or later.

Retirement is generally considered sustainable if total portfolio withdrawals during the first year of retirement are no higher than 4% of portfolio value (the so-called 4% rule). But it turns out even 4% could be too much if retirees suffer a market downturn in early retirement. Or any number of other things can go wrong.

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Disclosure: Claro Advisors LLC ("Claro") is a Registered Investment Advisor with the U.S. Securities and Exchange Commission ("SEC") based in the Commonwealth of Massachusetts. Registration of an Investment Advisor does not imply any specific level of skill or training. Information contained herein is for educational purposes only and is not to be considered investment advice. Claro provides individualized advice only after obtaining all necessary background information from a client. This report is not a financial plan and is not intended as a solicitation or advice to purchase specific investments, but the information provided can assist you in evaluating your current financial situation and your ability to achieve your investment goals. Any projection of investment outcomes is hypothetical in nature, does not reflect actual investment results, and is not a guarantee of future results. Similarly, other information regarding various investment outcomes are hypothetical in nature, do not reflect actual results and are not guarantees of future results. The projections may not include all taxes applicable to your situation. Past performance is no assurance of future results. Investments may fluctuate and lose value, and unexpected market movements may result in changes in rates of return and anticipated performance. Claro does not provide legal or tax advice. The information herein is general in nature and should not be considered legal or tax advice. Consult an attorney or tax professional regarding your specific situation. Claro will provide all prospective clients with a copy of our current Form ADV, Part 2 ("Brochure") prior to commencing an Advisory relationship. Please contact This email address is being protected from spambots. You need JavaScript enabled to view it. or toll free at 800-604-2838 with any questions.

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