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Comprehensive & Independent Retirement Planning

Too many cooks in the kitchen! One adviser is an asset manager, the other is a 401(k) specialist and perhaps another is an insurance professional or a tax consultant. They don’t communicate with each other, so they don’t coordinate their plans and products with each other. Watch the interview entitled Comprehensive & Independent Retirement Planning part 5 in the series …

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The Longevity Impact on Retirement

The #1 retirement risk in longevity, which is a risk multiplier for all other retirement risks. And unless you have a genetic disposition that will shorten your life expectancy, plan on living to 100. Watch the interview entitled The Longevity Impact on Retirement part 4 in the series Retiring Right with author, speaker and financial consultant Alex Joyce with talk …

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Income and Expense Planning

Most of the retirement plans currently operational have a significant flaw. There grossly underestimated the stunning increase in life expectancy. But government and military pensions are in a greater financial jeopardy, because their pensioners are living exceedingly longer than the plan actuaries calculated. Watch the interview entitled Income and Expense Planning part 3 in the series Retiring Right with author, …

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Determining Financial Product Costs

True cost comparisons between financial products are nearly impossible for the public to collect and ascertain the value of the expense load. The lack of transparency by product manufacturers is not consumer centric nor is it in keeping with best practices. Watch the interview entitled Determining Financial Product Costs part 2 in the series Retiring Right with author, speaker and …

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Developing Your Own Financial Profile

Risk tolerance tests are not a complete science, but they offer an indication of where you are in your attitudes about money if you answer the questions honestly. Every retiree should take a risk tolerance test and use it as a reference for retirement investing. Watch the interview entitled Developing Your Own Financial Profile part 1 in the series Retiring …

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Your retirement planning checklist

Are you approaching retirement? Even if you aren’t, it’s never too early to start thinking and planning for it. ReJoyce Financial’s Alexander Joyce shares a list of things to consider before retirement: 1. An up-to-date estate plan in your household for you and or your family An estate plan would include a will or trust (or both), Power of Attorney, …

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Planning for retirement

Pensions have disappeared from most companies and there’s an uncertain future in social security. That makes saving for retirement more challenging. That’s what we talked about with Alex Joyce of ReJoyce Financial Monday on Eyewitness News at Noon. He talked about risk tolerance and how not to get scared during the stock market’s ups and downs. He’s also offering some …

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The do’s and don’ts of saving for college

When thinking about college planning, one thing Alexander Joyce, ReJoyce Financial, can tell you is that most people feel its never enough. Most people wish they had started sooner and most people don’t know what investment option is best for their college funding needs. Alexander says, “A lot of college savors look to the 529 plan which is structured by …

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What you should be doing with your 401k

Should you roll your old 401k to your new employer or to an IRA? What should you do with your 401k when you retire? Should you be doing anything different in your 401k? Planning for retirement often comes with a lot of questions. Here to help make sense of it all is Alexander Joyce, President & CEO, ReJoyce Financial. Alexander …

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ReJoyce Financial offers calming advice about today’s market

Worried about what’s going on in the market right now? February, as of now, is considered to be the worst market in nine years. It seems there’s a lot of fear out there, but what is REALLY going on and WHY is this happening? Not to mention, what can we expect? Alexander Joyce, President & CEO, ReJoyce Financial, breaks it …