Four Phases of Retirement: Full Retirement

Full retirement is the third phase of retirement. This next stage is the middle of your retirement cycle. By now, you have hopefully realized your travel dreams and fulfilled many of the goals you had planned for in your retirement. Although you may be in good health, many people during this phase are more likely […]

Read More

Four Phases of Retirement: Early Retirement

Last week we discussed Pre-retirement.  Pre-retirement is the time to start thinking about your retirement, including how and where you expect to live. The next stage is the early stage of retirement. During this phase, many people can still have a lot of energy and enthusiasm and therefore can focus on enjoying physical sports (like […]

Read More

Four Phases of Retirement: Pre-retirement

The first phase of retirement is Pre-retirement: Pre-retirement is that time period when you begin to take a look at slowing down and begin to plan your life after your career. This is the time you should ask yourself how much money you will need and how you can make the most of your retirement. […]

Read More

Four Phases of Retirement: Introduction

Years ago, when you mentioned the concept of retirement, visions of a long and relaxing stretch of time after your career came to mind. Most people envisioned having a 20-30 year time span filled with activities such as traveling to exotic locations, leisurely days of relaxation and recreation and time with grandchildren. The possibility of […]

Read More

Social Security – Take it now or take it later!

Written by: Gerald J. Ricciardo, CFP® A worry for individuals nearing retirement age is when to commence drawing social security benefits. For those born between 1943 and 1954, you are eligible for full retirement benefits at age 66 but can start receiving benefits at age 62.  However, drawing social security at age 62 means a […]

Read More