Rainstone FinancialRetirement Planning Archives – Rainstone Financial -

Should You Downsize for Retirement?

Joseph Regenstein IV, CMFC — Mon, 12 Jul 2010 13:00:31 +0000

Should You Downsize for Retirement? is a post from: Rainstone Financial

Should You Downsize for Retirement? is a post from: Rainstone Financial It may be better to sell that big home rather than keep it. You want to retire, and you own a large home that is nearly or fully paid off. The kids are gone, but the upkeep costs haven’t fallen. Should you retire and [...]

How Long Term Care Insurance (LTCi) Can Help Protect Your Assets

Joseph Regenstein IV, CMFC — Fri, 02 Jul 2010 13:00:01 +0000

How Long Term Care Insurance (LTCi) Can Help Protect Your Assets is a post from: Rainstone Financial

How Long Term Care Insurance (LTCi) Can Help Protect Your Assets is a post from: Rainstone Financial Create a pool of healthcare dollars that will grow in any market. How will you pay for long term care? The sad fact is that most people don’t know the answer to that question. But a solution is [...]

Why Four Percent?

Joseph Regenstein IV, CMFC — Wed, 30 Jun 2010 13:00:11 +0000

Why Four Percent? is a post from: Rainstone Financial

Why Four Percent? is a post from: Rainstone Financial Why are retirement plans often created assuming a 4% withdrawal rate? When retirement planners try to estimate just how much money a couple or individual should take out of their savings annually, their model scenarios often assume a 4% annual withdrawal rate. Why is 4% used [...]

The Two Biggest Retirement Misconceptions

Joseph Regenstein IV, CMFC — Wed, 26 May 2010 13:00:30 +0000

The Two Biggest Retirement Misconceptions is a post from: Rainstone Financial

The Two Biggest Retirement Misconceptions is a post from: Rainstone Financial While the idea of retirement has changed, certain financial assumptions haven’t. We’ve all heard about the “new retirement”, the mix of work and play that many of us assume we will have in our lives one day. We do not expect “retirement” to be [...]

Which Retirement Plan Suits You?

Joseph Regenstein IV, CMFC — Thu, 22 Apr 2010 13:00:42 +0000

Which Retirement Plan Suits You? is a post from: Rainstone Financial

Which Retirement Plan Suits You? is a post from: Rainstone Financial Here’s an overview of the retirement plan landscape. All retirement plans are not the same. In fact, there is such a wide variety of retirement plans that it is worth it to read up on your choices. Here’s a brief look at the different [...]

How And When To Sign Up For Medicare

Joseph Regenstein IV, CMFC — Mon, 05 Apr 2010 13:00:52 +0000

How And When To Sign Up For Medicare is a post from: Rainstone Financial

How And When To Sign Up For Medicare is a post from: Rainstone Financial Breaking down the enrollment periods and eligibility. Medicare enrollment is automatic for some of us. In fact, anyone who has received a Social Security check or 24 months worth of Social Security Disability Insurance (SSDI) is automatically enrolled in Medicare Part [...]

The DB(k)

Joseph Regenstein IV, CMFC — Wed, 24 Mar 2010 13:00:55 +0000

The DB(k) is a post from: Rainstone Financial

The DB(k) is a post from: Rainstone Financial In 2010, companies have a whole new retirement plan option. What is a DB(k)? Basically, a DB(k) combines a pension plan with a matching 401(k) plan. As the name implies, it is a defined benefit retirement plan with some of the features of a 401(k). DB(k)s could [...]

How Much Retirement Income Will You Really Need?

Joseph Regenstein IV, CMFC — Thu, 18 Mar 2010 13:00:10 +0000

How Much Retirement Income Will You Really Need? is a post from: Rainstone Financial

How Much Retirement Income Will You Really Need? is a post from: Rainstone Financial Many people underestimate lifestyle costs, medical expenses and inflation. What is enough? What is not enough? If you’re considering retiring in the near future, you’ve probably heard or read that you need about 70% of your end salary to live comfortably [...]

Congratulations are in Order

Joseph Regenstein IV, CMFC — Wed, 03 Mar 2010 14:00:04 +0000

Congratulations are in Order is a post from: Rainstone Financial

Congratulations are in Order is a post from: Rainstone Financial I recently had the pleasure of attending a clients retirement party after 31 years of civilian service to the military. I have been to retirement parties before, but they never required clearance at security check points and an escort to the ceremony location. We began [...]

A Post-Divorce Action Plan

Joseph Regenstein IV, CMFC — Tue, 02 Mar 2010 14:00:41 +0000

A Post-Divorce Action Plan is a post from: Rainstone Financial

A Post-Divorce Action Plan is a post from: Rainstone Financial It’s All in Your Hands You have just gone through one of the most challenging and difficult periods that a woman can experience in her life – a divorce. While many things may still be in up in the air, one aspect of your life [...]