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Mercer Advisors Explains Retirement 'Bucket Strategy' for Managing Savings

Mercer Advisors Explains Retirement 'Bucket Strategy' for Managing Savings

Mercer Advisors Explains Retirement 'Bucket Strategy' for Managing Savings
USA TodayUSA Today
Americans want to live to age 88, but their money dies at 83

Americans want to live to age 88, but their money dies at 83

A new survey finds Americans want to live to age 88 but can only afford 83. Financial experts share tips to bridge the gap.
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John Hancock Introduces New Fixed Indexed Annuity Suite to Address Evolving Longevity Needs

John Hancock Introduces New Fixed Indexed Annuity Suite to Address Evolving Longevity Needs

John Hancock Introduces New Fixed Indexed Annuity Suite to Address Evolving Longevity Needs
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Social Security Full Retirement Age Varies by Birth Year, Impacts Benefit Amounts

Social Security Full Retirement Age Varies by Birth Year, Impacts Benefit Amounts

The full retirement age (FRA) for Social Security benefits in the U.S. is determined by an individual's birth year, directly influencing the amount of monthly benefits received. For those born in 1960 or later, the FRA is 67. Individuals born between 1943 and 1954 have an FRA of 66, with a gradual increase for birth years from 1955 through 1959. Claiming benefits before one's FRA results in a permanently reduced monthly payment, while delaying claims past FRA, up to age 70, can increase benefits through delayed retirement credits. For people born in 1943 or later, benefits grow by 8% for each full year they wait past their FRA, up to age 70. Working while collecting Social Security before FRA can also lead to benefit reductions based on earnings limits, though these limits disappear once FRA is reached. Spousal and survivor benefits also have specific rules tied to FRA and claiming age.
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Retirement Experiences Vary Widely Among Georgians, Study Reveals Mixed Outcomes

Retirement Experiences Vary Widely Among Georgians, Study Reveals Mixed Outcomes

A 2025 report from the Transamerica Center for Retirement Studies, based on a survey of 2,690 retirees conducted by The Harris Poll, indicates that while 89% of retirees consider themselves generally happy, the reality of retirement brings mixed experiences. The study found that 44% of retirees are enjoying life more, but 33% reported a decline in their overall health, and 28% experienced a worsening financial situation. The report highlights that over half of retirees, 52%, retired sooner than planned, often due to employment-related issues or health problems. Many retirees expressed regret about their preparedness, with 65% wishing they had known more about saving and investing, and 44% admitting they waited too long to focus on it. The article features several Georgians sharing their diverse retirement realities, ranging from living frugally on Social Security and military pensions to facing unexpected personal identity challenges after leaving long careers.
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Retirement Planning Emphasizes Budgeting, Investment Review, and Benefit Understanding for Seniors

Retirement Planning Emphasizes Budgeting, Investment Review, and Benefit Understanding for Seniors

Retirement Planning Emphasizes Budgeting, Investment Review, and Benefit Understanding for Seniors
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Michelle Miller Joins Cerity Partners as Principal, Specializing in Complex Financial Transitions

Michelle Miller Joins Cerity Partners as Principal, Specializing in Complex Financial Transitions

Michelle Miller Joins Cerity Partners as Principal, Specializing in Complex Financial Transitions
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ClearPath Financial Partners Advises on Mitigating Sequence-of-Returns Risk for Retirees

ClearPath Financial Partners Advises on Mitigating Sequence-of-Returns Risk for Retirees

ClearPath Financial Partners Advises on Mitigating Sequence-of-Returns Risk for Retirees
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IRS Mandates Retirement Account Withdrawals Starting at Age 73, Affecting Traditional IRAs and Workplace Plans

IRS Mandates Retirement Account Withdrawals Starting at Age 73, Affecting Traditional IRAs and Workplace Plans

IRS Mandates Retirement Account Withdrawals Starting at Age 73, Affecting Traditional IRAs and Workplace Plans
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Vanguard and Fidelity Issue Warning to Retirement Savers Amidst Projections of Lower Stock Market Returns

Vanguard and Fidelity Issue Warning to Retirement Savers Amidst Projections of Lower Stock Market Returns

Vanguard and Fidelity Issue Warning to Retirement Savers Amidst Projections of Lower Stock Market Returns
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Gen X Faces Retirement Uncertainty Despite Decades of Savings and Investment

Gen X Faces Retirement Uncertainty Despite Decades of Savings and Investment

Despite decades of saving and investing in 401(k)s, only 18% of Gen Xers believe they are prepared for a secure retirement, according to a survey from Transamerica Center for Retirement Studies. This generation, which largely lacks the widespread pension plans their Baby Boomer parents had, relies on traditional savings accounts, investment portfolios, and retirement plans to build wealth. Many Gen X individuals express continued reliance on Social Security and uncertainty about their financial future in retirement. While they have navigated financial troubles and economic crises, the perceived attainability of building wealth through frugality and retirement plan investments, without needing multiple jobs or side hustles, has been a defining characteristic of their financial approach. However, as retirement approaches, many are questioning if their efforts will be sufficient.
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Fidelity Investments and Vanguard Issue Sobering Forecast for Retirement Savers on Long-Term Stock Market Returns

Fidelity Investments and Vanguard Issue Sobering Forecast for Retirement Savers on Long-Term Stock Market Returns

Fidelity Investments and Vanguard Issue Sobering Forecast for Retirement Savers on Long-Term Stock Market Returns