{"id":28827,"date":"2016-12-09T02:09:49","date_gmt":"2016-12-09T02:09:49","guid":{"rendered":"https:\/\/www.saratoga.com\/saratogabusinessjournal\/?p=28827"},"modified":"2016-12-13T01:07:20","modified_gmt":"2016-12-13T01:07:20","slug":"enough-money-retirement-concern-strategies-exist-help-people","status":"publish","type":"post","link":"https:\/\/www.saratoga.com\/saratogabusinessjournal\/2016\/12\/enough-money-retirement-concern-strategies-exist-help-people\/","title":{"rendered":"Having Enough Money For Retirement Is A Concern, But Strategies Exist To Help People"},"content":{"rendered":"
\"Michael<\/a>
Michael Brown of Madison Wealth Managers urges people to think about retirement early.
Courtesy Madison Wealth Managers<\/figcaption><\/figure>\n

By R.J. DeLuke<\/span><\/p>\n

A survey conducted by the American Institute of Certified Public Accountants says running out of money is a top concern among their clients when they are look ahead to retirement.<\/span><\/p>\n

The elderly are living longer, said AICPA,\u00a0 <\/span>and Baby Boomers, who hold the largest amount of retirement assets, are supporting both their parents and their children. This has amplified the fear.<\/span><\/p>\n

Neil Edmonds of the Ascent Wealth Partners office in Saratoga Springs, who handles retirement matters for the company, agreed it is a big concern for people.<\/span><\/p>\n

\u201cThere are not as many defined plans for retirement, like pensions,\u201d he said, and in some cases people have nothing more than Social Security to fall back on.<\/span><\/p>\n

Michael Brown, senior vice president with Madison Wealth Management, which has an office in Clifton Park, said \u201cIf you haven\u2019t started to think about it in your 50s, it will be difficult.\u201d The challenges to be comfortable in retirement are many.<\/span><\/p>\n

\u201cWe\u2019re living longer, so we have more years to pay for,\u201d he added.<\/span><\/p>\n

One of the most effective ways to save for the future, Edmonds said, is the 401(k) plan. With the disappearance of pensions and other retirement plans \u201cit\u2019s up to us now\u201d to prepare for retirement and the 401(k) is \u201cby far the number one way\u201d to prepare for retirement.<\/span><\/p>\n

Since its inception in 1978, the 401(k) plan has grown to be the most popular type of employer-sponsored retirement plan. Millions of workers depend on the money that they have saved in this plan to provide for their retirement years. Some employers contribute a percentage to boost the pool of funds for their workers.<\/span><\/p>\n

Currently, said Edmonds, people under 50 can put away up to $18,000 in a 401(k) for the year and those 50 and older can add another $6,000. Those regulations also apply to 2017.<\/span><\/p>\n

Unfortunately for some people they dip into their 40(k), withdrawing money for other things. It can be an unexpected health bill or some unforeseen emergency. Some people may even use it for something like a new vehicle.<\/span><\/p>\n

But, \u201cIf you pull money out of a 401(k), it\u2019s going to be taxed,\u201d Edmonds said.<\/span><\/p>\n

Someone pulling out $10,000 may need $13,000-$14,000 in order to pay the tax, Edmonds noted There is also a 10 percent penalty that will be tacked on.<\/span><\/p>\n

The law regarding the saving plan \u201care encouraging you to save for your retirement,\u201d Edmonds said.<\/span><\/p>\n

When planning a 401(k), he said a rule of thumb is to have 10 times one\u2019s annual salary in a retirement fund in order to live the lifestyle to which they are accustomed. Someone making $100,00 a year will want on the order of $1 million to maintain their average lifestyle. Someone making $50,000 will want about $500,000 in the account, he explained.<\/span><\/p>\n

\u201cIt all depends on individual circumstances,\u201d he said. The plan should take into account what a person\u2019s expenses are and how much money will be needed to meet those expenses.<\/span><\/p>\n

Brown also said taking money out of funds like 401(k)s and annuities can be troublesome. If a person does so, \u201cyour partner is the IRS\u00a0 <\/span>… there are substantial taxes. People that over contribute can also be subject to penalties.\u201d<\/span><\/p>\n

\u201cIn order to avoid that, you have to play by the rules, but the rules are fluid. It\u2019s a moving target,\u201d said Brown.<\/span><\/p>\n

Regarding investments people may have to get them through retirement, Brown said\u00a0 <\/span>when people are getting closer to retirement, \u201cthat\u2019s when you\u2019re at your most risk.\u201d<\/span><\/p>\n

People can be saving and have money invested in certain markets but there can \u201cbad luck … that is a part of it. The market can dip and people are dealing with what Brown called \u201ca poor sequence of returns.\u201d<\/span><\/p>\n

The \u201csequence of return\u201d risk to retirement spending, experts say, is a recognition of the reality that even if returns average out in the long run, it doesn\u2019t matter if ongoing withdrawals deplete a stock portfolio before the \u201cgood\u201d returns finally show up.<\/span><\/p>\n

Those planning to spend the entire fund over the remainder of your life, take the risk that they could take out too much too soon and funds run out.<\/span><\/p>\n

Now the market is high and interest is low, said Brown. \u201cWhat if the market doesn\u2019t do well in the few years leading to retirement or in early retirement? If you have a poor sequence of return\u201d because the market dips \u201cmathematically, it is very difficult to survive.\u201d<\/span><\/p>\n

When interest is up, it hurts the value of investment and when market is low, the rate of return is hurt.<\/span><\/p>\n

He stressed not taking risks that have\u00a0 <\/span>the potential to be damaged and keeping a careful eye on investments. Nonetheless, with low interest rates, \u201cyou can\u2019t put money in savings accounts or money markets any more so, people are being forced to take more risks, whether we like it or not.\u201d<\/span><\/p>\n

Regarding Social Security, Brown said there were 81 different claiming strategies. Some of them have been eliminated by the government, but being informed\u00a0 <\/span>on the available options may help a person uncover significant additional benefits. \u201cTry to optimize now what the husband and wife will get, but what benefits are for the family.\u201d<\/span><\/p>\n

He said there are many good software programs that can assist in this process.<\/span><\/p>\n

Also, said Brown, \u201cWe need some form of care as we age.\u201d<\/span><\/p>\n

It\u2019s not just something like a heart attack that will require attention. There are various types of \u201ccognitive impairment\u201d where a person may still live a log time, but they still need money.<\/span><\/p>\n

Long term health care insurance is one possibility, but there are some newer \u201cbetter mousetraps\u201d that can be loaded into insurance coverages that people can look into.<\/span><\/p>\n

Said Edmonds, \u201cEveryone does need a plan If there\u2019s no plan, chances are you won\u2019t really make it through retirement.\u201d<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

By R.J. DeLuke A survey conducted by the American Institute of Certified Public Accountants says running out of money is a top concern among their clients when they are look ahead to retirement. The elderly are living longer, said AICPA,\u00a0 and Baby Boomers, who hold the largest amount of retirement assets, are supporting both their […]<\/p>\n","protected":false},"author":121,"featured_media":28809,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[22],"tags":[],"class_list":["post-28827","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-planning-investments"],"yoast_head":"\r\nHaving Enough Money For Retirement Is A Concern, But Strategies Exist To Help People - Saratoga Business Journal<\/title>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/www.saratoga.com\/saratogabusinessjournal\/2016\/12\/enough-money-retirement-concern-strategies-exist-help-people\/\" \/>\r\n<meta property=\"og:locale\" content=\"en_US\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"Having Enough Money For Retirement Is A Concern, But Strategies Exist To Help People - Saratoga Business Journal\" \/>\r\n<meta property=\"og:description\" content=\"By R.J. DeLuke A survey conducted by the American Institute of Certified Public Accountants says running out of money is a top concern among their clients when they are look ahead to retirement. 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