Blue Waters Financial Group blog

I’m Ready to Retire: Now What?

By nshapiro | May 18, 2021

You have worked your entire life with the goal of spending your retirement years living your best life. The planning is done, the money is saved, and you are ready to transition to the next phase. Now what? Don’t worry – you aren’t alone. Most people reach retirement asking that same question. We all have…

Fixed Annuities: What You Need to Know

By nshapiro | April 21, 2021

The biggest part of retirement income planning is making your money work for you. When you are no longer working, a steady stream of income can make all the difference in living the retirement you imagine. While there are many vehicles for growing your saved income, annuities are a solid option for achieving your retirement goals.…

Taxes and Retirement Income Planning

By nshapiro | March 25, 2021

Most people have given thought to how they will use their savings and investments to live their retirement years but haven’t thought about how retirement income is affected by taxes. Any solid retirement income plan should consider tax issues.  Lowering Taxes in Retirement Social Security is taxable for most Americans. Many of those who receive Social Security…

Diversifying Retirement Assets

By nshapiro | February 18, 2021

Chances are, when your grandparents stopped working, they had two things that provided retirement income: Social Security and pensions. But over the last several decades, companies have moved away from pensions in favor of 401(k) plans as Social Security no longer provides enough income to provide the quality of life that most retirees seek. Those…

What You Should Know About Life Insurance

By nshapiro | January 21, 2021

Two questions our clients ask us regularly are: “Do I need life insurance after I retire?” and “How does life insurance fit into my retirement planning?” The answer really depends on where you are in your retirement journey. If you’re already retired The general rule has been that if someone will experience a financial loss…

Should I Roll Over My 401(k)? What You Need to Know

By nshapiro | December 17, 2020

We’ve all left a job at some point during our career. According to a January 2018 report from the Bureau of Labor Statistics, the average person changes jobs 10 to 15 times (with an average of 12 job changes) during his or her career. Chances are, most people get several statements every month from their former employers’ 401(k) plans.…

Long-Term Care 101

By nshapiro | November 17, 2020

We are all getting older – it’s a fact of life. As we move toward retirement and beyond, there is a good chance that we will need help taking care of ourselves later in life. While most of us have a long-range financial plan to prepare for retirement, how do we prepare to meet the…

Life After Retirement: Will I have Enough?

By nshapiro | October 15, 2020

Welcome to the Blue Waters Financial Group blog. We believe you should do what you want to do when you retire. This space will be dedicated to topics that revolve around retirement income planning and what you should be doing now to ensure you will have the freedom to enjoy life after retirement. With this…

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