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DirectNEWS is a quarterly publication designed especially for retirement plan participants. The newsletters contain articles on various retirement and investment topics to help educate and assist participants in managing their retirement accounts.
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DirectNEWS - Spring 2017
 

Pricing Your Retirement
Doing quick estimates of how much money you’ll need for retirement can help inspire you to put more money into your savings...

Lifestyle

How much do you expect your lifestyle to change after you retire, and how will that affect your cost of living?...

Timetable
What is your target retirement age? Your answer can greatly affect the amount of retirement funds you will need. If your timetable calls for retiring at age 62 or earlier...

Future Income
Besides Social Security, where will your retirement income come from? You may have an employer’s pension plan, tax-deferred savings, and/or taxable investments and savings to draw on...

Headroom for Extras
Will you have enough retirement income? Start with your current expenses. List them all, category by category, and adjust any amounts, such as transportation, taxes, and clothing, that you expect to change when you retire...

Retire to a Smaller Tax Bill


If you were choosing a place to retire, what would be most important to you?...

Income Tax - Less is More
The day of reckoning is at hand when you begin taking taxable distributions from your tax-advantaged retirement accounts...

Don't Forget Property Tax
State income taxes aren’t the only tax burden to consider. For homeowners, local real property taxes may be as much or more of an issue...

Other Taxes Count, Too
Sales taxes vary not only from state to state but from county to county and, sometimes, city to city...

 

 
   
DirectNEWS - Winter 2017
 

Stick to the Facts
How do you know if the time is right to change your retirement investments? How do you know if the time is right to change your retirement investments? It’s a challenging question that all investors face. Figuring out the answer will be easier if you remember one important thing: Look at the facts...

Review Often

Participating in your retirement plan is a long-term opportunity. To make the most of it, you should review your investments on a regular basis (at least annually) by checking the facts and making changes when necessary...

Are You Really Ready to Retire?


You may like the idea of retiring. The thought of sleeping in and being able to do what you want, whenever you want, is quite appealing. But the reality of retirement may be quite different than you imagine. Here are a few questions to ask yourself before you stop working...

Have I accumulated enough money in my retirement accounts?
A financial professional can help you determine if your sources of retirement income will cover your expenses during retirement...

How will I spend my time during retirement?
This next phase of life could last for many years. Staying active and involved may help you feel happy and healthy...

What do I need to know about Social Security and Medicare?
Social Security likely will be just one of your sources of retirement income and Medicare will help cover some of your health care expenses during retirement...

 

 
 
 
 
Direct News - 2016
Direct News 2015
 
 
     
     
     
         
 
 
     
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