The Little Red Book of Retirement: The Basics of Retirement Investing

A Word From The Author, Brian Evans

When people think about retirement, they may think about an age (such as 65) or a “number” for their retirement income. These two factors alone are not enough to prepare for a prosperous retirement. Creating a financial plan is a great place to start, but understand that a financial plan is also simply a coordinated set of figures on pieces of paper. Without considering a myriad of variables, updating your plan as things change, and implementing your planned steps properly, you may find your plan is worth the proverbial “pieces of paper” it’s printed on.

We’ve seen that the most fulfilled retirees aren’t necessarily the ones with the most “zeroes” on their bank account or brokerage statements. Success can often be directly correlated with your “balance in life.” Have you obtained balance among your investment categories, cash flow, growth potential security, and liquidity? Have you answered pertinent health care, long-term care and longevity questions? Do you know where you’ll live when you retire, how you’ll maintain fulfillment, and what you’ll do?

The Little Red Book of Retirement aims to help you consider these questions as they pertain to you. In my experience, a retiree’s life is sometimes turned upside down because they failed to address one or two of the topics within this book. Use this book to help you plan for and live out your best retirement possible.

We put a lot of time and effort into writing this book series and are sure you’ll love it. So download your free copy right now when you sign up for a complimentary financial review.

Here is a sneak excerpt from The Little Red Book of Retirement: The Basics of Retirement Investing;

Chapter Four: Social Security

Don’t claim social security until you have run a social security optimization report on your situation.Don’t claim social security until you have run a social security optimization report on your situation.

You’ve likely been paying into social security for your entire working life, and deserve to earn the maximum legal benefit that you’re entitled to. Navigating social security can be a daunting task as rules change and benefits vary depending on a multitude of factors. Have your financial advisor run a social security optimization report and provide you with a plan for when to file, how to file, and what to expect based on your individualized circumstances.  

If you were the higher earning spouse, and your spouse is expected to outlive you, consider delaying your social security benefits as long as possible.If you were the higher earning spouse, and your spouse is expected to outlive you, consider delaying your social security benefits as long as possible.

While it may be tempting to take your social security benefit when you turn 62, waiting to claim your benefit will likely pay off higher benefits in the long run.  Not only could you add up to 8% every year that you delay collecting up to age 70, but your spouse will also be entitled to 100% of your social security benefit should you predecease him/her.”

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The information, suggestions, and recommendations included in this material is for informational purposes only and cannot be relied upon for any financial, legal or insurance purposes. Madrona Financial Services will not be held responsible for any detrimental reliance you place on this information. It is agreed that use of this information shall be on an “as is” basis and entirely at your own risk. Additionally, Madrona Financial Services cannot and does not guarantee the performance of any investment or insurance product. Insurance products are offered through Madrona Insurance Services, LLC, a licensed insurance agency and affiliate of Madrona Financial Services. Madrona Insurance Services and individual advisors affiliated with Madrona Insurance Services and Madrona Financial Services receives commissions on the sale of insurance products. Clients are not required to purchase insurance products recommended or to otherwise implement financial advice through Madrona affiliates. When we refer to preparation and filing of tax returns, tax returns are prepared and filed by our wholly-owned sister company Bauer Evans, Inc. P.S., a licensed certified public accounting firm. Madrona Financial Services, LLC is a registered investment adviser with the SEC. Our registration with the SEC or with any state securities authority does not imply a certain level of skill or training.