Retirement Archives - Rightpath Investments & Financial Planning, Inc.

Nov 15

Book Review: The One Page Financial Plan: A Simple Way to be Smart About Your Money, Carl Richards (Penguin 2015)

By Steven Smith | Financial Lifestyle , Peak Thoughts , Retirement , Wealth Management

Running joke: If it’s a one-page financial plan, then why isn’t the book only one page? I first read Carl Richards’ novelty of a book, The One-Page Financial Plan, when it was published in 2015. But I only recently grabbed it off the shelf to re-read and figure out ways to apply it in our […]

Sep 30

Is Retirement a Dirty Word?

By Steven Smith | Financial Lifestyle , Financial Planning , Life Transitions , Peak Thoughts , Retirement

I made the mistake of asking a client when she wanted to retire. This is a common inquiry to my clients. Yet unwittingly, I opened a fraught subject for this couple. She loved her job and wanted to work forever. He was ready to retire now and see the world. I learned a valuable lesson. […]

Sep 10

Retire Early? Retire Late? Or Retire Right on Time? – Lessons from the Early Retirement Movement

By Steven Smith | Financial Lifestyle , Peak Thoughts , Retirement , Uncategorized

The FIRE movement captured my interest only recently. Financial Independence, Retire Early (FIRE) is an aspiration of motivated young people today to stop working and retire in their 30’s and 40’s. As a retirement advisor, seeing the obvious challenges of saving enough money and otherwise getting one’s act together at such an age, I rather […]

Oct 10

Dreaming of a Mountain Retirement

By Steven Smith | Financial Lifestyle , Life Transitions , Mountain Lifestyle , Peak Thoughts , Retirement , Wealth Management

Do the mountains call you for your dream retirement? Many people, including most of my clients, aspire to retire to the active lifestyle, fresh air and natural beauty of the Colorado mountains. What will it take to achieve that dream? Here are some considerations for planning your mountain retirement: Follow Your Dream […]

Aug 10

Do We Face a Retirement Crisis?

By Steven Smith | Financial Lifestyle , Meanderings , Retirement

In an article in Advisor Perspectives, actuary, financial planner and retirement researcher Joe Tomlinson delves into the question: Do We Face a Retirement Crisis? The “we” Tomlinson refers to is American society as a whole. His conclusion is that the “crisis” for the current generation of retirees is a bit overblown, but the future looks […]

Apr 12

1st Quarter Client Note

By Steven Smith | Investment Management , Money , Newsletters , Retirement

The S & P 500 (Total Return) Index gained 1.35% in the quarter. This was no mean feat considering what was occurring in January. The first two weeks of January welcomed the worst start to a year for the S & P 500 in history. The index was down 7.93% from January 4 -15. For […]

May 08

A Commentary on the PBS Show The Retirement Gamble

By Steven Smith | Financial News , Investment Management , Meanderings , Retirement , Risk Management , Small Business

PBS recently aired a Frontline show entitled The Retirement Gamble, profiling the 401(k) industry. If you missed it, it can be viewed here. Polemic in tone, the show is highly critical of the country’s evolution from defined benefit pension plans toward defined contribution 401(k) type plans, and in particular the culture of the industry that […]

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