We’ve all heard the expression “Farmers only worry during the growing season, but townspeople worry all the time.” Yet when it comes to retirement security, farmers should be worrying in every season. Indeed, we know farmers are some of the most financially vulnerable individuals in retirement. They are less likely to be covered by traditional [...]

In today’s economy, struggling is the new normal. Americans are struggling to find jobs, struggling to pay for college education and struggling to save money. All in all, America is in a financially fragile state.  As a recent study from the National Bureau of Economic Research revealed, Americans stated that they “certainly” or “probably” would [...]

It seems like every day we’re hearing more and more bad news about the looming retirement crisis. Americans are living longer but at the same time their ability to save and plan for retirement is diminishing. Social Security is covering less of what is needed in retirement. Pensions are nearly nonexistent. And for those who [...]

For generations, women have faced several obstacles in the workforce. And although they have overcome most of these challenges, there is one issue that still plagues them – retirement. In a piece from Forbes, reporter Manisha Thakor highlights the recent Merrill Lynch webinar, “Women & Retirement: Investing for the Life you Want,” to illustrate the [...]

Many Americans spend a lifetime dreaming about their golden years and what they will do with their newfound time and freedom. Maybe your retirement checklist looks something like this: Dream retirement home Children grown and out of the house Spoiling grandchildren Travel plans Enough savings to last a lifetime Unfortunately, we spend so much time [...]

Reporter Suzanne Barlyn at the Wall Street Journal reported on Monday, “as more people live into their 90s and beyond, financial planning become even more important – and trickier.” Barlyn says the biggest problem for financial advisers is longevity risk, or how to make sure clients have enough retirement savings for a long life. In [...]

Saving and planning for retirement was all over the news last week. Most articles centered on something we’ve known for a while – Americans aren’t prepared for retirement. Edward Jones’s new study finds 25% of Americans are not contributing to their retirement savings, a 16% increase from 2010. And, only 15% of Americans feel their [...]

An article in The Wall Street Journal on Tuesday found that companies are once again starting to match 401(K) contributions that disappeared during the economic recession.  But, more often than not, the matching rate is much less than it was before the recession hit. This has Americans turning to other retirement options that will make [...]

A penny saved is a penny earned. But what happens when saving your pennies isn’t an option? Unfortunately, this is the predicament that many Americans currently face. As the new survey from investment firm Edward Jones reveals 25 percent of Americans are not saving anything for retirement – up 16 percent from 2010. And the [...]

The number one financial concern for Americans is not having enough money for retirement, says a new poll released by Gallup yesterday. When asked about eight financial matters, 66% of respondents said they were very or moderately worried about having enough money for retirement. Since the annual survey began in 2001, retirement has topped the [...]