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Archive for the Retirement Income Category

Determining a Realistic Withdrawal Amount and Asset Allocation

Most people look forward to retirement, but it can be one of the most complicated stages of life from a financial planning point of view.  In addition to charting a suitable investment strategy, retirees need to consider estate planning issues, health insurance needs, and – one of […]

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Retirement Planning: Focus on the Critical Variables within Your Control

A generation ago, it was relatively easy to make your money last through your lifetime: You retired at 65, bought bonds, and lived off your pension and Social Security.  You weren’t expecting to live much past age 75. Things have changed.  Interest rates are near historic lows, pensions […]

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Market Volatility: What should I do now?

Stock markets have been choppy lately, pressured by all sorts of concerns – including tighter monetary policy, the impact of tariffs, and mid-term elections – to name a few. Worrying excessively about a bear market is counterproductive but being prepared for one is always a good idea. […]

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New Year’s Financial Resolutions: Get Your Finances in Shape

New Year’s Financial Resolutions: Get Your Finances in Shape

Many people make resolutions on New Year’s Day.  But no matter what your resolutions are, the key isn’t making the list, it’s sticking with it.  Here are five resolutions that can help increase your financial fitness today and in the new year. Resolution 1: Create a budget for life […]

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What Happens to Your Health Savings Account (HSA) in Retirement?

What Happens to Your Health Savings Account (HSA) in Retirement?

Health savings accounts get plenty of attention in the financial media and in Washington.  Given all the publicity, it may come as a surprise that assets in HSAs aren’t all that impressive: Just $37 billion was stashed in the accounts at the end of 2016, according to HSA […]

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Retirement Income Principles

Retirement Income Principles

As more than 76 million baby boomers – nearly 25 percent of all Americans — approach retirement age in the next 20 years and make the transition from retirement saving to retirement spending, a recent survey reveals that one-third of those who say they are just five years […]

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When It Pays to Retire With a Mortgage

Sometimes retiring with a home you own free and clear isn’t the best choice. If you’re in or near retirement and still have a mortgage, you have plenty of company. People in their fifties and sixties are far more likely to have mortgages than prior generations had […]

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When It Pays to File Early for Social Security

Filing for Social Security while your benefit is still growing sometimes makes sense. In deciding when to take Social Security, later is almost always better than sooner, and for good reason. Each month you defer, from your 62nd birthday to your 70th, your monthly benefits grow.  That […]

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Seeking Financial Simplicity

Take steps to reduce the stress of managing your money. With today’s economic challenges, it’s not surprising that a growing number of people say they are feeling stressed about their personal finances. In fact, four out of five Americans say they feel anxiety due to money, according […]

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Simplicity – Quotes

A listing of quotes from financial resources espousing the virtues of SIMPICITY… William Smead: “An investment is like a bar of soap. The more you handle it, the smaller it gets.” Confucius: “Life is really simple, but we insist on making it complicated” Christine Benz, Morningstar Director […]

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Areas We Serve

Staib Financial Planning, LLC strives to make meeting with us convenient and easy. We offer many locations around the Denver area other than our main office, serving Highlands Ranch, Lone Tree, Centennial, Littleton, Parker, Aurora, Denver and surrounding communities.

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