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financial advice for retirement and estate planning retirement watch retirement watch subscribe now retirement watch spotlight series subscribe now retirement watch weekly subscribe now for free welcome to bob carlson s lifetime retirement protection program financial advice for retirement social security iras and estate planning retirement resources the ira conversion calculator in depth retirement resources free investing reports estate planning attorneys retirement articles annuities retirement investing estate planning retirement healthcare and medicare home equity housing insurance for seniors individual retirement accounts iras social security taxes in retirement retirement planning retirement spending testimonials special reports about bob carlson about bob carlson about retirement watch bob s library faq trusted colleagues jim woods bryan perry george gilder jim fink hugh grossman generational wealth strategies covered call subscribe now retirement watch weekly retirement watch spotlight video series log in search i greatly enjoy your retirement watch newsletter over these many years i have gleaned several helpful estate and investing suggestions thanks for the clear and concise estate and retirement information again my heirs and i have greatly benefited from your vast well of knowledge warren w i have now been following your bob s advice for several years with much success and just wanted to say thank you with the guidance of your simple straightforward and inexpensive monthly newsletter along with the weekly updates i have achieved some nice returns without the nervousness and anxiety i previously experienced with my investments michael m your service is absolutely unique one gets tons of valuable information for such a miniscule price and the information so wisely compacted and easily achievable i m going to recommend your service to all my friends who are in their 70 80 s thank you so much arnold r i can tell you that i appreciate the simple language bob uses it is easy to get bogged down in the legal language others typically use i also like the indexes that help me find what i need vernon w thanks i ll be reading retirement watch for more wisdom as i am in my golden years david s this is the best financial publication i have ever purchased it is clear and concise and easy to understand and i have even recommended it to many of my friends steven m bob i am retired and turned 72 this year and have made a withdrawal from my 401k to cover part of my rmd thanks for the timely response with exactly the information i needed i am stunned by this level of service you have made a lifetime subscriber of me thank you kevin m financial advice for retirement social security iras and estate planning subscribe now subscribe now to retirement watch a subscription to retirement watch offers members a simply trustworthy alternative not only to effectively plan save and spend their nest eggs but to live a richer and more rewarding retirement than they ever thought possible click here now to subscribe subscribe now retirement investing survive the 2026 squeeze protect your retirement money in my new retirement watch spotlight series i ll share my newest breakthrough strategies for protecting your assets and growing your portfolio including how to prepare for the next market downturn click here now to learn more individual retirement accounts iras 6 expensive ira mistakes how to avoid them click the pdf below to read this special report estate planning mistakes 10 most common estate planning mistakes and how to avoid them click the pdf below to read this special report more articles on retirement planning advertisement subscribe to lifetime retirement protection program bob s exclusive new service gives members the tools and knowledge to maximize their retirement finances for the rest of their lives the lifetime retirement protection program includes all monthly issues of bob s retirement watch newsletter all monthly video webinars in his retirement watch spotlight service every one of bob s premium reports and white papers past and future complete access to retirementwatch com and 90 days membership in eagle financial s dividendinvestor com click here now to access all of bob carlson s research subscribe to retirement watch spotlight series in my new retirement watch spotlight series i ll share my newest breakthrough strategies for protecting your assets and growing your portfolio including how to prepare for the next market downturn click here now to learn more retirement watch portfolios portfolio cumulative return sector 292 90 balanced 264 04 true diversification 117 45 invest with the winners trading strategy etfs 71 72 retirement paycheck 49 47 income growth 45 46 about retirement watch retirement watch is dedicated to providing retirement planning and estate planning advice to retirees and people over 50 planning for or preparing for retirement retirement watch s content includes articles on retirement planning retirement planning the process of figuring out how much money you ll need to save for retirement and then putting a plan in place to get there retirement planning includes answering the following questions what do i want to do in retirement when do i want to retire how much money will i need to save by the time i retire how much will i need to invest every month to hit my retirement goals which retirement accounts should i use what should i be investing in within my retirement accounts what about medical expenses and long term care in retirement social security social security social security is an important source of retirement income so its necessary to know how much social security you will receive when you begin taking your benefits the amount of social security benefits varies depending on the year you were born your lifetime earnings and the age at which you begin receiving social security benefits you can start to receive social security benefits as early as age 62 but waiting to receive benefits might be beneficial to make the best decision for your individual situation you ll need to know your full retirement age fra which is the age at which you ll be eligible to receive your primary insurance amount pia special rules apply to current former and widowed spouses claiming social security benefits and strategies offer married couples divorced widowed or surviving spouses and single workers the opportunity to maximize benefits throughout retirement we ll illustrate how those rules work and provide examples of how the claiming strategies can increase the amount of social security benefits for some recipients estate planning estate planning the process of anticipating and arranging during a person s life for the management and disposal of that person s estate during the person s life and on their death while minimizing gift estate generation skipping transfer and income tax estate planning includes planning for illness and incapacity as well as a process of reducing uncertainties over the administration of a probate and maximizing the value of the estate by reducing taxes and other expenses the ultimate goal of estate planning is determined by the goals of the individual and may be simple or complex guardians are often designated for minor children and beneficiaries in incapacity annuities annuities are insurance contracts that make regular payments to you either immediately or at some point in the future you can purchase an annuity to help grow or protect your retirement savings or to provide you with guaranteed income in retirement investing in retirement you ve worked hard to save for retirement and you re finally retired with the right strategy you can help make sure your retirement savings last as long as needed this includes calculate the amount you ll need for retirement spending each year its important to calculate your retirement expenses and your expected retirement income from other sources the difference between these amounts is what you ll need to cover with your retirement savings its vital to determine whether you can safely withdraw this amount from your retirement savings you ll want to make sure your retirement savings can safely sustain your retirement spending over the rest of your life for most people your investing approach in retirement should be the same as it was all along to determine an appropriate asset mix and then stick with it that means you need a balanced portfolio of stocks bonds and cash investments that is appropriate for your timeline usually 30 to 40 years meets your tolerance for risk this investing approach will generally give you the mix of growth and income that you need in order to meet your retirement spending needs and sustain your investment portfolio over the long run medicare healthcare and long term care medicare healthcare in retirement and long term care including insurance retirement watch provides articles on medicare and other retirement related healthcare issues including how to plan for long term care thru the use of insurance housing for seniors housing for seniors features include senior communities nursing homes reverse mortages best places to retire types of retirement homes and home equity in retirement ira s ira s and required minimum distributions how best to manage your ira and the required minimum distribution laws taxes in retirement taxes in retirement how to minimize taxes in retirement including income taxes gift taxes and estate taxes retirement spending retirement spending developing and implementing a sound retirement spending plan is essential to a worry free retirement retirement watch provides information and advice on all aspects of retirement spending our articles are all written edited or approved by bob carlson bob is an attorney and a cpa who is one of america s leading retirement experts having dedicated his career to this subject he has served on the board of trustees of the fairfax county employees retirement system since 1992 and has written numerous books on retirement including the new rules of retirement and personal finance after 50 for dummies 1 800 552 1152 retiring in 2026 congress is coming for your retirement a devastating law enacted by congress has serious consequences for anyone holding an ira pension or 401 k fortunately there are still steps retirees can take to sidestep congress starting with this one simple move click here for the breaking story advertisement advertisement quick links annuities estate planning ira required minimum distributions long term care probate reverse mortgages trusts wills articles trending now the ultimate will and estate planning checklist and how to value social security what is the difference between a testament and a will how to get an estate tax id number retirement watch about bob carlson contact us disclaimer terms of use privacy policy called america s 1 retirement expert bob carlson s retirement planning advice spans from tax and estate planning strategies to ira social security medical care and investment strategies his advice has helped tens of thousands of people for more than a decade eagle products llc a salem communications holding company all rights reserved salem media group eagle financial publications 1735 n lynn st suite 500 arlington va 22209 2016 sign up for bob s free e letter retirement watch weekly log in remember my login forgot your password forgot password username or email log in search