Roth IRA Conversions Information For a Retirement Income Specialist

To become a retirement income specialist, one must usually enroll in a courses or programs to meet certain requirements and to learn the ins and outs of the field. One specific topic that a course might cover is Roth IRAs, and in particular: Conversions.

Will Retirement Soon Be Obsolete?

The conventional approach to retirement is that you work until you reach your 'retirement age'. The idea was that when you reach that age, you must retire until you expire. There also exists the perspective that retirement is a 20th century phenomenon that is changing in the 21st century.

Divorced: Can I have pension backdated?

I divorced after 47 years of marriage in 2007 but only got round to notifying the pension office last year. Can they backdate my pension for two years?

‘Restore pension top-ups’, Darling told

Campaign groups are demanding justice for the UK's 12m pensioners in Alistair Darling's final Budget before the General Election

Your Retirement Income - Will You Outlive It?

Whether or not you outlive your income can be answered with taking an objective and subjective look at your situation. While figures are a useful guide, our habits and lifestyle determine whether we are willing and able to maintain a certain standard of living.

Retirement Income - How to Protect it From Inflation and Taxation

Whether your retirement income is fixed or variable, guaranteed or not, inflation and taxation act to reduce the real value of it. Indeed, one of retirement's major challenges is preserving the real value of retirement income. Having guaranteed lifetime income is not enough, by itself.

How Immediate Annuities Affect Your Retirement

Immediate annuities are specifically designed to provide retirement income. Retirees are the target market for these types of annuities. Immediate annuities require the annuitant to take a lump sum to purchase guaranteed lifetime income or income for a certain period.

Retirement Savings - An Overview

There are several reasons for saving money. One of the long-term goals of saving money is retirement - saving for the period when you are no longer working full-time. Saving for this period is so important that retirement planning a subset of financial planning (has its own category).

How to Use Annuities in Retirement

Annuities are normally associated with retirement because they can provide a guaranteed lifetime income. However, annuities are only part of the solution to longevity risk (the risk of outliving your savings). When drafting a retirement plan, it is important to know and understand the role of annuities.

Assessing Your Retirement Needs

There exists the belief that assessing your retirement needs is difficult as it is impossible to accurately anticipate the future. However, retirement planning allows you to model your future based on known variables in the present. What makes it easier is that retirement needs assessment is unique to an individual.

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