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What You Need to Know About Federal Reserve Bank Retirement Plan

Retirement is not something that only certain people need to worry about. Everyone will one day reach the age of retirement and therefore it is something that each and every individual must consider. In thinking about your retirement plan a Federal Reserve Bank retirement plan is something that should be thought about carefully.

Where to Begin

The age of retirement is determined by your finances and when you have enough money to take care of yourself in the way that you desire. There is no rule that says that you have to be in the workforce for 30 or 40 years. The earlier you begin to plan for your retirement the earlier you will be able to actually retire.

Your retirement is a very person thing and a lot of personal decisions are involved in planning for it. One thing that must be decided is what type of retirement lifestyle you will be comfortable and content with. Once you have this well in mind you will have a basis for determining how much money you will need for your retirement.

The higher your income the quicker you will reach your retirement goals. We all want to make as much money as we can doing whatever we do. Big salaries are not a luxury that all enjoy. Even with a modest income a good money manager can save a great deal toward his retirement.

When choosing employment you must consider the big picture. Not all jobs are glamorous or exciting. But if they pay the bills and give you what you need to save a lot each month toward your retirement then it could be worth the effort of enduring the work. You have to decide what is more important to you.

How much you have during your retirement depends on how wisely you use your money now. Some people think that the little things don't make much difference. That is simply not true. You can make small adjustments in your spending habits and really increase your retirement savings. It just takes a little effort.

Education is in important key to good retirement planning. Learn about how you can invest your money and make it work for you. There are seemingly endless investment options available to help you capitalize on the money you have saved. Talked to a financial professional to see what investment options they would recommend for you. Earning the most on the dollars you save will go a long way in your retirement planning.

Early Retirement Planning - Take Your Health As You Age Into Consideration

Early retirement planning should focus more on health, rather than the size of your investment portfolio.

I read an uplifting story on retirement in today's Arizona Republic. I will not elaborate on the specifics...my eye was drawn to a quote from the Centers for Disease Control and Prevention.

"Eighty percent of the 65 plus population has at least one chronic medical condition: fifty percent have at least two."

I do not know about you but this makes me first glad that I retired at 49 and second why more people do not retire early while they have their health?

When deciding when to retire. Why isn't the reality of declining health as we age discussed more openly? Why is financial planning focused solely on accumulating wealth as the sole determinant as to when you can afford to retire.

I retired at 49 I am now 64 and most would consider me to be in good health, and I am. I work out 5 days a week, play golf 3 times a week and eat right.

However, in the last few years, my knee makes noise when I walk, my lower back hurts more and more, I tire more easily, etc. When I talk with friends my age, and they talk about their aches and pains, I realize I am very lucky...I am not a part of the 80% mentioned above with a chronic illness.

My friends have mostly retired in their 60's..."normal retirement age." Heart problems, diabetes, arthritis, insomnia and stomach problems are just some of the chronic conditions of friends I know and love.

So the next time you sit down and contemplate when you are retiring...stop and think. Would you rather have less cash, spend less and retire: or wait until 65, be rich and be in the 80% of folks in that age group?

Building a Successful Practice As a Retirement Plan Specialist

Building a Successful Practice: It is estimated that 70-80% of investors who deal with a stockbroker, financial planner or advisor will change advisors before retirement. Some will make the change while in their fifties, others will wait until their early or mid-sixties. The reason for the change is simple: Investors view their financial person as being "growth oriented," an accumulator who is not an expert when it comes to structuring income. When the change is made, a retirement specialist is sought.

Clients Change Advisors: Over the past couple of years, the brokerage industry has begun to promote retirement income, but the campaign has been limited and met with skepticism by investors. After all, advisory account compensation is based on assets under management--distributions only erode the advisor/broker base. The retirement benefit specialist has a very different agenda: maximizing periodic distributions at an acceptable risk level.

Investors are generally loyal to their broker or advisor, but such a relationship usually ends once the investor gets serious about retirement planning. It is not that they no longer like their advisor, they simply view this person as not having the expertise to help them with the income phase of their life. Enter the retirement plan specialist.

Retirement Specialist: The vast majority of your peers and competitors promote themselves as being able to do everything for the investor. This makes it difficult for any advisor to differentiate themselves. It is always the specialist we seek out when a problem arises (e.g., car mechanics who specialize in foreign cars, the doctor who only does a certain type of eye surgery, etc.). This is a lesson brokers, planners and advisors have still not learned. For example, how often do you see an advisor who advertises as a "retirement plan specialist" or simply a "retirement specialist?"

The specialist makes the most money and has the least complicated life. A retirement benefit specialist can hone his skills by concentrating on a very narrow aspect of the financial services industry, thereby differentiating himself and minimizing concerns.

Even though it appears the retirement specialist is "leaving money on the table," the reality is quite different. A portion of a client's portfolio may be in CDs, government securities and fixed-rate annuities, but another part may be in growth-oriented mutual funds that include a systematic withdrawal plan. And, just because someone is in an income mode does not mean she no longer needs insurance or no longer desires to fund a grandchild's college fund.

Competitive Edge: During a brokerage firm's annual meeting in a big conference hall, someone from Harley Davidson rides down the aisle in a motorcycle towards the podium. He parks the bike, steps up to the podium, looks at the audience of surprised advisors and says, "What's your sound?" Harley's have a special sound but how many brokers do you know have their own "sound?" No one can distinguish the sound between a Honda, Suzuki, BMW or other bike--except a Harley. This is why the company has trademarked their sound.

What makes you different? Why would someone want you to manage their money instead of a neighbor, friend or golfing buddy who does the same thing? Investment products have largely become "commoditized" and offered by everyone. Ed Slott has made a fortune by becoming the IRA-go-to-guy; he is frequently quoted in publications and is considered an expert. Ed has a lucrative practice of advising brokers, and fee-based seminars and referrals. Someone else could have filled such a position, but Ed was first and will probably not be replaced. You could become the retirement plan specialist in your county or the retirement specialist that is referred by accountants and lawyers.

Understand Your Customers and Prospects: People seek out and feel comfortable with a specialist. The first step to becoming an income specialist or retirement specialist is to obtain certification marks that distinguish you from others. Being a designee shows everyone that you have the specialized training necessary to handle their income needs.

Retirement Planning Advice For a Happy Retirement

If you wish to live in a wealthy condition and being well-off during your retirement period then look for a retirement planning advice now. No doubt it is indeed essential to draft a proper planning for your golden days. A good retirement arrangement will be a smooth channel for you to switch from the arduous working years to a relaxed and comfortable retirement life. The best tip is to manage your withdrawal from the working world as early as possible. You should be able to understand that the earlier you set your retirement plan, the more funds will be organized for your future.

Basically you will have good relationship bonds with your colleagues and office mates. And you certainly are aware that friendship and mutual interactions are vital for a company to become productive and successful. But when your retirement moment comes, you will need to leave your second home and that is when you realize the few important changes you will be subjected to. A retirement planning advice should include the guide on how you ought to manage your relationships with people in your company.

Your usual five days spent in your job and an abrupt evolution brings you to staying at home 24/7 may be quite a tremendous change for one to get accustomed to. Some people become extremely directionless during their retirement days therefore it is vital to plan ahead for your future. If you are a married couple then discuss your retirement plan with your partner and having somebody to face retirement with you could do much good.

You will need an organized planning as well as systematic arrangements of your life. Financial is one of the largest aspects to look into to meet your objectives. Maybe you can seek help from a financial adviser where they can assist you in selecting the suitable investment plan for you to achieve your expectations. The retirement planning advice you get from a professional would be very useful, especially if you are not familiar with the investment industry. Insufficient knowledge related to investment may put you at the edge of risk so do not hesitate to get expertise' services to handle your money.

It would be an extremely complicated mathematical calculation to figure out the amount you should invest in order to achieve a specific stage of income for your retirement years. For such cases you may consider using the investment calculators to help your manage your savings. The calculators will facilitate a rough estimation of savings you should perform when you are still working. Make your retirement plan a good one. Do not whine that you are getting nearer to withdrawal from the working industry but remain a positive mind to relax and live in comfort during your elderly days.

If I Am Filing Bankruptcy, What Will Happen to the Loan Against My Retirement Plan?

A lot of people who have filed for bankruptcy are not aware of the effect that it has on your retirement funds if you have borrowed against it. This article will try to answer your apprehension regarding the loan from the retirement plan in the case when you are filing for bankruptcy. No doubt by now you already know you can borrow money from your retirement plan. Depending the variety of bankruptcy you are filing (Chapter 7 or Chapter 13 bankruptcy), it changes the consequence of the loan you have against the retirement plan.

If you have filed for Chapter 7 bankruptcy protection, your loan from the retirement plan will NOT be discharged. You will still have to pay yourself back (into the retirement plan) at the end of the bankruptcy. Chapter 7 bankruptcy code allows you to discharge debt or loans that you owe to other people, but a loan to yourself is not considered "owing to other people". You will still have to pay yourself back in full post bankruptcy.

Chapter 13 works in a different way in which you will generally pay off your debt in installment, with the chance of a much lowered outstanding balance. When the pre-arranged debt is paid off in full, you will be discharged through Chapter 13 bankruptcy. The determination to discharge the loan from the retirement plan is made by the bankruptcy court when you are filing for Chapter 13 bankruptcy. The bankruptcy court has to determine if you have disposable income that you can use for your repayment into the retirement plan. The bankruptcy court largely will allow the loan to be discharged if you have minimal savings and you are close to the retirement age.

How does automatic stay apply to the loan against my retirement plan?

No matter if you are filing under Chapter 7 or Chapter 13 bankruptcy, you will be given by law the statute of automatic stay. Automatic stay is where no creditors can contact you, or harass you for payment until the case is dealt with inside the court of law. It is not possible to employ the statute of automatic stay to not repay the loan you have taken out from the retirement plan. The legal definition of automatic stay requires that the creditors must stop pursuing your debt when you have file for bankruptcy protection. But if you have a loan from the retirement plan, it is borrowing from yourself, so there is no creditor involved. Therefore you cannot use the automatic stay statute to stop repaying your retirement loan during the bankruptcy process, even though the loan might be eventually discharged through Chapter 13 bankruptcy.

Company Retirement Plans - Help Your Employees Plan For and Make the Transition

We often think of retirement as "the golden years." It can be--for those who have planned well for the social, emotional, physical, and financial changes that take place. Those who fail to plan may find that the gold is brass.

As the first wave of baby boomers approach their mid-60s, retirement has become an increasingly important issue. Unlike their parents, this new breed of senior citizen can expect at least 15 to 20 years or more of relatively healthy retirement or even another career. With the cost of pensions and health care, companies are restructuring their retirement plans to programs that put more responsibility on the worker and less on the corporation. This is why you should keep your employees informed about their retirement benefits and help those nearing retirement age prepare for the transition.

Start early

Mention retirement benefits to all new hires, regardless of age. One way to get younger employees to start planning for retirement is to tie the planning into their current priorities. For instance, if your company offers a 401(k) program, promote it as a way to save for later years while also reducing current tax liability.

Keep the communication channels open

If you contribute to a 401(k) or other retirement program, remind employees regularly that you are setting money aside for their future. If employees don't remember that their retirement benefits are valuable, the benefits themselves won't fulfill one of their main purposes, which is rewarding employees for staying with the organization. Use a variety of communication channels, including the company newsletter, special mailings, e-mail announcements, the company intranet, and announcements at staff meetings. Any improvements in the plan should be officially announced in a written document distributed to all employees.

Pre-retirement seminars

While it's important for all employees to be aware of the retirement benefits you offer, it's even more important for older employees to understand exactly what that means for them. Consider offering pre-retirement seminars to help employees prepare well in advance, as much as 15 or 20 years. Get them to think about where they're going to live, sources of income, what to do with their time, the possibility of starting a new career, and so on.

Ease the transition

In addition to helping employees prepare for retirement, help them make the transition itself. Consider offering the option of scaling back work schedules as staffers near retirement. Almost-retirees may work 30 hours a week for several months, then drop to 20 for a while before actually leaving the company.

You might also ask retirees to return to work as temporaries or to cover during peak periods. This is entirely up to the individual, of course, but it gives them an opportunity for productive work and lets the company benefit for their years of accrued knowledge and experience.

Retirement benefits are valuable, and simply reminding employees of them can ensure that they're perceived as valuable. Pre-retirement planning shows that your organization really cares about its employees, and workers of any age appreciate that.