As we near retirement there are three words that many of us want to delete from our vocabulary. They are structure, discipline and schedules. How do you feel when you hear them? If youre like me, retirement means you want to push away from structure, leave schedules behind, and escape from discipline. Your mindset can make the difference between frustration or joy during the third stage of life. After all, these are your Power Years!

My dreams in retirement were to embrace the word freedom into my daily experience. As I left my full-time career in a fortune 500 company, my motto was, Free at Last! What a shock, when freedom alone didnt serve me very well. Let me share how I discovered the secret to turning this around to serve rather than sabotage me.

There has been a great deal of press in 2006 about baby boomers beginning to turn 60. Boomers are living longer and healthier than past generations and are revolutionizing retirement. As a baby boomer, I see the second stage of my life as an opportunity to rediscover, reinvent, and revitalize myself. Many of us today are retiring from our first career by the age of 55. No longer do we embrace our parents and grandparents definition of retirement as a time to sit back and simply relax. Dont get me wrong; we love leisure activities. However, we also want to live vital and active lives with purpose and meaning. This is a time to make a real difference in the world. In fact, many of us believe the word retirement should be permanently retired. Baby boomers are choosing to refocus their energy into many different transitional experiences — some will become entrepreneurs and begin businesses of their own, others aspire to volunteering time and energy for causes that touch their hearts, still others may decide to go back to school, and many will find themselves helping adult children and grandchildren as they move through their own challenges, such as divorce. Many baby boomers have found the services of a Personal Life Coach helps them successfully navigate through their transitions.

In my own new retirement, I yearned for simplicity. I felt that simplifying would give me a sense of peace and freedom. However, I found my three problematic words, structure, discipline and schedules beginning to haunt me. I came to a realization: without structure, discipline and schedules in my life, simplicity was elusive. Darn it! Life became a bit frustrating and chaotic, especially when I began my own business as a Personal Life Coach. I realized that without these three concepts in my life it was impossible to make progress. With the help of my own Life Coach, I came to the realization that I could simply use new words that spoke to me in more positive ways. I learned just how powerfully words can affect our thinking. I created a plan.

In my new plan:
Structure became Design, Plan, a System
Discipline became Determination, Focus, Method, Self-Mastery
Schedule became Timetable, Program, Itinerary

Now I create a plan and focus with determination as I follow my timetable to accomplish my goals. These new words gave me a feeling of power, energy and even lightness. I no longer saw them as restrictions but rather a vehicle towards freedom.

Today I find myself moving through each day with ease - with a feeling of accomplishment, purpose and fulfillment. Free at last! If you are stumbling over some words in your life that hold you back and keep you stuck, pull out the thesaurus and try on some new, fresh ones and see what a difference they can make in your life.

I now live the life of my dreams with a career I feel passionate about. I no longer work to live, but rather live to work. My desire as a Retirement Coach is to help baby boomers discover a life of meaning and purpose in their power years. Financial planning alone does not make for a happy, healthy and meaningful life. You owe it to yourself to create a Retirement Life Plan and enter this phase with a sense of confidence. Dont wait until you are feeling disillusioned, bored, lonely or depressed during what can be your Power Years. A Retirement Life Plan can open the door to finding focus, passion and joy. Be prepared! Contact Ellie at www.newdirectionscoach.com for a coaching consultation to experience life coaching for yourself and to determine if this is the answer for you right now. Take action and make it happen!

Visit Ellie on the web www.newdirectionscoach.com — sign up for her FREE newsletter now and receive you special complimentary gift, The New Retirement e-book Intro by Richard P. Johnson, PhD.

Ellie Wellwood is a Life Coach specializing in Mid-Life and Retirement coaching. She works with baby boomers to help them create their life plan for a successful retirement. Its about discovering and living your dreams. Ellie creates a safe environment where together you explore options you may not have considered and design a plan of action that moves you forward towards achieving your goals while eliminating the things that keep you drained and stuck. With her support you make inner changes that lead to a new experience. Visit Ellie on the web — sign up for her FREE newsletter now and receive you special complimentary gift, The New Retirement e-book Intro by Richard P. Johnson, PhD.

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As your retirement looms on the horizon, many questions may be on your mind. What do you need to plan for? Who should you consult? What expenses will you need to be aware of? What do you need to do if you havent planned until now? Use these tips to plan for an imminent retirement, without stressing yourself out!

Find a Financial Advisor
You wouldnt handle legal matters without an attorney, or your taxes without an accountant. Why should your retirement finances be any different? Take the time to find and hire a good financial advisor. He or she will be able to help you to manage the money youve already invested to get the best returns possible, as well as advise you as to how to set up new accounts.

Plan for Health Insurance Expenses
A big chunk of your retirement finances will need to be dedicated to health insurance costs between health insurance benefits ending and Medicare and/or social security benefits beginning. If this is your situation, youll need to calculate the amount youll be spending per year, and save accordingly. Youll also need to see if your job offers retirement health insurance benefits at a reduced cost. If they do, be sure to take advantage of this plan.

Plan for Other Insurance Expenses
Youll also need to plan for other insurance plan fees, such as life, health, dental, automobile, and disability insurance. Shop around and be sure to get the best rates possible on each of these plans. After you retire, youll be on a fixed income, so youll need to limit spending and cut rates where possible.

Step Up Your Contributions
At this point in life, youll need to begin adding as much money as possible to your retirement accounts. Begin contributing the maximum amount to your IRA or 401K, especially if your company matches your contribution. Remember, every penny invested now will help you greatly after retirement.

Retirement can be stressful all transitions are. Take the time to find a financial advisor to guide you through this transition and help you to make sound financial decisions. Be sure to plan for health insurance expenses, as well as other types of insurance expenses. Youll also want to step up your contributions to your retirement investment accounts to the maximum possible amounts. Following these guidelines will help to insure that youre as prepared as possible for your retirement.

Marcia Chumbley is a work at home mom and grandmother in Minnesota. She is the owner of a Christian Work From Home Moms and Grandparents web site at http://www.faithfulgrannies.com Bringing generations of Christian Work From Home Moms, Grandmothers, Parents, Boomers and Families together while providing resources, inspiration and affordable advertising while balancing the work at home experience.

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Your parents have always been thrifty. They helped you through college and were very careful about saving for retirement, but lately you notice that they arent going out very often, they are very careful when they shop, they often complain about the high cost of fuel or their utility bills? Your parents are not alone. Even some of the best laid plans can come up short. With medical costs rising in the double digits, exponential rising fuel costs and lower returns on investments, their nest egg might be coming up short.

Our parents have traditionally relied on a three component retirement plan: Social Security, pension and savings. Your parents average Social Security check is $1,002. Youve read it in the news, youve seen it on sixty minutes, pension plans are under funded and benefits are being cut. That leaves your parents with their nest egg to retire on. It may be enough now. They are getting by with a few hundred dollars here and there from you and your siblings but what about as they get older? Are they pinching pennys and still do not have quality of life? Money for travel? Extras? What if they need in home care? A couple of hundred dollars might pay for someone to come in for a three or four days. Then what?

A reverse mortgage may be the answer. If you havent heard of them, your parents have. They are being inundated with advertisements in the mail for them every week. These loans are increasing in volume every month. So why doesnt anyone know about them? They havent hit the mainstream yet, but they will. Reverse mortgages are a special type of loan strictly for senior citizens. In the past they have had a bad reputation because in the early years of introduction there were predatory lending practices that occurred and many senior signed over a portion of the equity in their homes, equity sharing programs. Well thanks to the federal government reverse mortgages have been cleaned up. They are federally insured and heavily federally regulated. Reverse mortgages have turned into an empowering financial tool for seniors that can make the difference in whether or not a senior has to work part-time at Wal-Mart to make ends meet or live comfortably in their retirement years.

Heres how they work. To attain a reverse mortgage you must be 62 years old or older. They are very similar to an equity loan except that there are NO PAYMENTS for the life of the loan. The senior qualifies of a percentage of their equity to be turned into cash. The amounts of their proceeds are based upon the seniors age, the value of their home and their homes location. If there is a first mortgage on the home this must be paid out of the proceeds. Paying off the mortgage in itself is often times a substantial increase of cash flow each month for a senior. Can you imagine if you didnt ever have to make another house payment?

These loans are exceptionally flexible and safe. Before a senior can even submit a loan application they must attend an independent counseling session paid for by the federal government to insure that they understand the loan completely. This counseling session is independent from the lender and the originator and has no cost to the senior. And did I mention that these loans have NO OUT OF POCKET COSTS and NO PAYMENTS FOR THE LIFE OF THE LOAN! Reverse mortgages also have no credit requirements. The senior can take the proceeds in a number of ways. They can set up a line of credit that they can draw on as needed. The credit line grows at the same rate as the loan if unused and does not count as loan principle until used. They can receive a lump sum of cash up front at closing; they can set up a guaranteed monthly tenure payment for life, or a combination of these.
One of our clients, a very active woman of eighty did part time catering to make ends meet. After she refinanced with a reverse mortgage, she paid off her first mortgage, she set up a credit line of $25,000.00 that she can draw from at anytime; she took $25,000.00 at closing and set up a guaranteed tenure payment of $1000.00 per month for the rest of her life. Formally she worked part time and worried. Presently, she travels, gets massages and has peace of mind.
Reverse mortgages have changed and make financial sense. If your parents need money for quality of life either for things they want or things they need. Reverse mortgages may be the answer. Call me and get the facts about how a reverse mortgages can help the senior in your life.

Angella Conrard, Reverse Mortgage Advisor

http://www.reverse-your-mortgage.com
237 South La Esperanza

San Clemente, CA 92672
1-866-949-7030

angella@clarionmortgage.com

Angella Conrard specializes in changing lives seniors. Her single-minded focus on reverse mortgages has allowed her to become a leader and an expert in our rapidly growing industry. It also means that she and her team are truly dedicated to each individual client and his or her needs.

Angella is licensed by the California Board of Real Estate. She is designated as a Reverse Mortgage Specialist and is held to the highest standards by the National Reverse Mortgage Lenders Association. She offers all qualified reverse mortgage programs on the market.

Angella is a university of Wisconsin graduate with over 20 years of business experience, most of those as a business owner. Angella is a long standing member of the South County Chamber of Commerce; National Reverse Mortgage Lenders Association, National Aging in Place Council and is president of the Orange County, CA Chapter.

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A few years ago I met a gentleman who retired from the old American Telephone and Telegraph Company. It was at the time Lucent Technology became a stand alone company, having been spun off its parent company. He bragged about the thousands of share of Lucent he received from AT&T. He was proud of his lifetime pension and his current stock portfolio. He made it a point to underscore that if his current holding went to zero, he still has the security of a lifetime pension and a generous health care plan courtesy of his former employer.

Employers of the 21st century are not as generous. It will take a lot of planning and prioritizing to achieve any degree of financial comfort at retirement age. It will takes combination of retirement umbrellas like 401k, 403b, Conventional IRA, Roth Ira, Annuity, Real Estate holding to achieve your retirement goals.

All of these umbrellas have potential for growth. All of them have some tax advantages, but not all taxes advantages are created equal: some grow tax deferred, some grow tax free. With that in mind, lets prioritize our retirement umbrellas.

The chapter in the tax laws, commonly referred to as 401k, provides for employee to contribute pretax dollar to their retirement fund. All earnings are tax deferred. The percentage of match and contribution may vary from company to company and changes in the law may also have an effect on contribution allowed and employer match. Nonetheless, employers often match the employees contribution. In most cases, employees are allowed to contribute 15% of their gross income and in most cases employer will match 5%. From a financial stand point, employees should take full advantage of these benefits because it is a risk free investment with high return on pretax dollar: for each dollar contributed, the employer matches one dollar up to 5% for gross income. Thats an instant risk free 100% return.

The Roth Individual Retirement Account, envisioned and sponsored by Senator William Roth, is the best place to put the next dollar after maximizing the employers match. The Roth Ira uses after tax dollar, but grows tax free for ever. Many experts have done the calculation and they all have concluded: a dollar invested in the Roth will over time yield a higher return on investment than a dollar not matched by the employer in the 401k/403b.

Lets assume that you invest $100 with a return of 7.2%. Based on the law of 72, after 10 years you will have $200. Invested under the 401k/403b umbrella and assuming a 15% tax bracket, at the end of 10 years you will have $170 or a net return of $70. Under the same above assumptions, if that money is invested under the Roth Ira, the total amount invested would have been $115 since you used after tax dollar. The total return is still $200 with a net return of $85.

Under the current law a married couple can invest $8000 a year, a single person $4000. If you have money left after contributing 5% of gross income to your 401k and fully fund the Roth Ira, your next dollar should go to paying down the principal on your primary residence.

Your primary residence needs to be an integral part of your retirement planning. If you dont have a mortgage payment, the grass feels better, says Dave Ramsey. Real Estate is one of the few investments left where one can enjoy tax free appreciation. According to the tax reform act of 1996, there is no capital gain tax if the property was the primary residence 2 out of the last 5 years. Capital gain is the difference between the selling price and the mortgage owed of the time of sale, an other word for it is profit.

Once you have a house free and clear of any lien, you can now contribute to the additional 10% that your employer does not match. The word annuity should only be part of your vocabulary once you have taken advantage of all of the others tax shelters discussed above. Annuity is the least preferred retirement option because of the various fees, surrender charges and other factors making it not so user friendly. The tax advantages are not enough to compensate for the fees and the complexity of investing in annuities.

Retirement planning can be challenging for many of us. Some guiding rules you might consider in that order:

1. Contribute to maximize employer match in the 401k

2. Fully fun the Roth IRA

3. Pay off your primary residence

4. Contribute to 401k without employer

5. Consider annuity if you need additional shelter.

If you want to discuss the article, please email me at reginaldduval@gmail.com

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As you may know, people react differently to retirement. For some folks, it is the best time of their lives, a time for adventure, fun and excitement. A time when they can kick up their heels, relax, and enjoy the free time on their hands. For others, retirement is a period of boredom and insecurity. This is because they arent used to the flexible schedule and miss meeting and socializing with others in work related activities. They also miss the predictability of their days and nights. That said, everyone can find joy and happiness in retirement and beat the retirement blues. In fact, you can have a retirement filled with meaning by simply following these 5 tips:

1. Refocus your life Do not consider yourself retired in the traditional sense. Yes, you no longer work for your past employer but you are certainly not at the end of your rope. You are refocusing your life, pursuing other options youre at a more positive turning point. This is a time for celebrating a new beginning!

2. Increase your Social Circle Stay connected to those events and people that you previously enjoyed during your working career. Dont be afraid to have a social life. Join clubs and associations that interest you and get to know new people with similar interests.

3. Plan Events - Get to know people of diverse interests. Become an extrovert. Plan a dinner party or other event and invite people. Dont be afraid to reach out to new people to strengthen other positive relationships. Not only will you increase acquaintances but youll gain a feeling of connectedness to familiar and unfamiliar group members.

4. Prioritize Health Maintaining good health is paramount to your success as a retiree. Therefore, you must take a preventive approach to good health. Do not wait until something is wrong to seek help. Examine your health and health habits now. Continue with your regular annual health checkups. Hire a personal trainer. Look into techniques for improving your overall well being, such as swimming, walking, weight training, yoga and meditation.

5. Stay in Shape Stay in shape with exercise and a healthy diet. Choose an exercise activity that you enjoy and one that you can stick to. For instance, you might try Pilates, Jazzercise or even Karate. If you prefer to work out solo, there are many appropriate books as well as videos that you can utilize in your health quest right from the comforts of your own home. Just dont be afraid to try. In addition, you can also join a gym or take exercise classes with others. The better you feel, the more you will enjoy your retirement.

6. Join a Cause After retirement, you may decide to join a worthwhile cause. Not only will this improve your self esteem but you will also make the world a better place and enrich a lot of lives, including your own.

7. Increase your Knowledge Learning is a lifelong and exciting process. In this age of technology, take time to brush up on your knowledge or take that class that youve always dreamt of taking such as a cooking, painting, sewing, or computers. Do whatever you can to become a more educated and knowledgeable person.

8. Update your Looks Yes, youre retired and now is the time to let your fashion sense shine. Find a great hairstylist and get good hair stylist. Get a manicure, facial or pedicure. Change your wardrobe to reflect the new and improved you.

9. Explore your Dreams Now that you have extra time on your hands, do what youve always wanted to do. Retirement is a perfect time to fulfill your dreams. Now is the time to accomplish all the things that you only dreamt about in the past. Do it now!

10. Maintain a Youthful Attitude Be energetic and enjoy the time you now have on your hands. Retiring from a job does not mean you have to give up everything. Just because you may be older, you can still be youthful and vibrant. Age is an attitude. If you act although youre old- you are. If you act like youre young, youll be young. Be proud of your veteran. Attitude is everything; let others be inspired by yours.

There are many things that you can do to find your purpose and meaning in retirement. By maintaining a positive attitude and zest for life, exploring your dreams, updating your looks, increasing your knowledge, joining a worthy cause, staying in shape, prioritizing your health, planning events, increasing your social circle and refocusing your life, you can do it!

2006 Dr. Cynthia Barnett

Dr. Cynthia Barnett is a re-fired educator who has reinvented her life, moving from the schoolhouse to an entrepreneurial venue. Dr. Barnett is the author of Stop Singing the Blues: 10 Powerful Strategies for Hitting the High Notes in Your Life and RE-FIRE, Dont Retire : 7 Powerful Strategies for an Extraordinary Life Now and in Retirement.(http://www.stopsingingtheblues.com/). She was featured in Time magazine for their article about women in mid-life who have reinvented themselves.

If you liked todays article, stay tuned for more FREE articles, FREE teleseminars, FREE tips and other resources to help you create a blueprint for an extraordinary retirement.

Dr. Cynthia Barnett 203-855-9714 doctorcynthia@refiredontretire.com http://www.refiredontretire.com

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Perhaps its the result of last years horrific hurricanes, rising interest rates, soaring fuel costs and general global unrest.
Maybe its just egotistic self centered interests, He who dies with the most toys wins; the inability to take responsibility for your own digressions.

Or maybe its just the natural order of things for people to become more conservative with age, to make up for the earlier digressions.
Whatever the reason, a growing number of Baby Boomers want more government programs safety nets, to insure that theyll be able to afford a comfortable retirement.

Move over Empty Nesters. Make room for Safety Nesters.
Why this interest in safety? Many see the financial markets as an unpredictable and scary environment.

It wasnt always like that.

During the boom of the 1990s, equity investing was all the rage. With the 2000 2002 market meltdown and the flat market that followed made investing more challenging. Maybe thats why so few are saving for the long term at the rate they should. As of January 2002 the average IRA balance was $26,951. Not much considering retirement can last 20 years or more.

Its not all surprising. For more than three decades, employers have been shifting the cost and responsibility for pensions and health care onto workers, largely through increasing health care premiums and decreasing pensions.

Considering that longer life spans can turn into expensive retirements, seeking safety along the way can be understandable.
This could be why the debate over privatizing Social Security seemed to fall on deaf ears.

If you find yourself beginning to worry about the future, perhaps its time for you to analyze your progress. If youre on track to reach your goals, congratulations. If not, now is the time to make necessary changes.

IRAs and other Qualified retirement plans are one of the largest assets you will own, and most have been set up incorrectly. Unfortunately for you and your family, most advisors are not aware of these common mistakes. If you are concerned about preserving the current values and minimizing the HUGE Tax Loss associated with IRAs and qualified plans, dont miss this opportunity. Now is the time to have an IRA review to find out how to preserve what has taken you a lifetime to build.

As a free service I will analyze your current situation and make recommendations, as to any changes that may need to be made, to preserve what you have built, and put you on the safe course you need.

All I ask in return is that you do the business with me. Im sure my 29 years of professional advice can help.
Call me at (941) 922-8588

Raymond James Financial Services
Anthony J Vignocchi
Financial Advisor
(941) 922-8588
http://www.raymondjames.com/avignocchi

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The Civil Service Retirement System (CSRS) began in 1920 and has given disability, survivor and retirement benefits for the majority of civilian employees in the Federal government until 1987 when the new Federal Employees Retirement System (FERS) was created. Nevertheless, over two million people carry on receiving Civil Service Retirement System retirement and survivor benefits every month.

Retirement benefits are presently financed by both Government and employee contributions to the retirement fund, and the benefits are provided based on the duration of service and the average pay over the highest three years of pay.

What are the eligibility requirements for Civil Service Retirement System benefits? An employee is qualified to retire voluntarily if the following provisions are met: at least five years of creditable civilian service; is separated from a position subject to Civil Service Retirement System coverage; is covered by Civil Service Retirement System for at least one year within the two-year period immediately preceding the separation; and meets age/service combinations of age 55 with 30 years of service, or age 60 with 20 years of service, or age 62 with five years of service.

For employees who separate from service and have met the criteria except for the age/service combination may be permitted to a deferred annuity at age sixty-two. To be qualified, the employee must not take a refund of retirement deductions upon separation.

In determining the service which may be used for an employees eligibility for retirement under the Civil Service Retirement System, is not restricted to service in positions subject to CSRS retirement deductions, it may also comprise service where the pay of the employee is not subject to retirement deductions, such as under a temporary appointment. Honorable active military service may also be qualified, subject to conditions: it was executed before the separation date upon which is the basis for entitlement to annuity; it is not comprised in computation of military retired pay except for certain service-connected disability requirements; if the military service was executed after December 31, 1956, some employees will have to create a deposit for the service to receive firstly or for other employees, to retain credit after the age of sixty-two.

Although the service used in determining an employees eligibility for retirement is typically the same as creditable service for computation purposes, there are some exceptions: periods of CSRS service refunded, will not be creditable unless a redeposit is made; if the refunded service was executed before October 1, 1990, it will be qualified even if no redeposit is made but the annuity will be actuarially decreased; non-education service is made on or October 1, 1982, is not qualified if a deposit has not been made. October 1, 1982 prior service is creditable by the annuity will be decreased by ten percent of amount owed; active military service executed after December 31, 1956 is not creditable for employees first employed in a covered position after September 30, 1982 except if a military deposit for the service is made; and unused sick leave is commendable in computing benefits. Sick leave is changed into days or months of service using the Sick Leave Chart in the OPM operating manual, but it can never be used for eligibility.

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So youve survived college. You head out into the working world with your fresh diploma in hand and land a plum job making more money than you couldve ever imagined. Your first instinct is to go get that big screen TV or plush ride that youve been eyeballing for the past year. After all, why not? Youre making the cash now, you can afford it, cant you? But wait. Before you take the plunge on that big ticket item, practice that old safety adage they taught you way back in elementary school about crossing the street: Stop, look and listen.

Stop.

So youre finally making a little bit of coin, good for you. But dont make the mistake of many of your peers and splurge on a big purchase. If youre a recent college grad new to the working force, odds are you have credit cards to pay off and the burden of student loan repayments to deal with. Do you deserve to be rewarded for surviving years of boring lectures and countless all-night cram sessions? Sure you do. But your first order of business should be getting out of debt, followed shortly by investing in your future.

Look.

That new job can offer you more than just a nice paycheck. Along with health insurance and other fringe benefits, most employers today offer generous 401(k) plans. As soon as youre settled into your new cube or office, head over to your human resources department and sign up for your companys 401(k) planits the most important thing you can do when planning for your financial future. I know what youre thinking, retirement is a long ways away, why should I deal with it now? Much of your generation feels the same way. In fact, a recent study found that almost 70 percent of workers ages 18 to 25 dont contribute to a 401(k) plan. Dont be one of them. The sooner you sign up, the more money youll make in the long run. Most employers will match your contributions up to a certain percent. Contribute to that number, declining to do so is the same as refusing free money.

Listen.

Okay, so youre contributing as much as you can afford into your 401(k). Congratulations, the hard part is over. Next up, youll have to decide how to invest. It can be confusing, but when you sign up, usually a financial representative will guide you through the steps. When contributing to a 401(k), youll be investing in a mix of stocks and bonds. The trick is in selecting the combination that is right for you. History shows that while stocks are more volatile, they usually show higher returns over the long term. However, theres no sure way to predict that what has happened in the past will happen again in the future, thats why its important to insure yourself by investing in bonds, as well. Bonds, while typically not showing the same high returns as stocks might, have shown to be a solidalbeit slowerinvestment strategy. To make the wide world of investing a little less confusing, most employers offer index funds and target funds designed with different age groups and investment strategies in mind.

But choosing how to invest is nowhere near as important as investing in the first place. Get that money automatically deducted from your paycheck and into your 401(k) account now. Trust us, you wont miss it.

Joe Kenny writes for the Card Guide, a UK credit cards site, apply for a 0% balance transfers to clear your credit card debt today.
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So you have made all the right moves and all the efforts you have put into planning your retirement have paid off. In fact, they have paid off so well you can actually retire much earlier than you planned. You have checked and double checked your calculations and indeed have reached all the financial goals you wanted to before you set off for the next phase of your life, retirement. So you have decided that you can kiss the daily rat race goodbye and begin to live a life of fun, happiness and no stress at the ripe old age of 48. But, as it works out the bulk of the assets you will be living off of are currently in your company retirement plan (soon to be rolled over to an IRA). How are you going to enjoy the fruits of your labor without getting dinged by the 10% early withdrawal penalty imposed by the IRS?

I have gotten many inquiries from clients about ways to tap into retirement funds, pre-retirement. Some of these are from people who are actually retiring early but others who have run into short term financial problems and are looking for a solution. The fact is Uncle Sam has a provision in the tax code, a 72(t) distribution, which allows people access to their retirement funds before they are retired and without the imposition of the senseless 10% early withdrawal penalty. The 72(t) distribution is an exception available to anyone under age 59 (if youre over 59 , you can tap your retirement accounts without penalty). In a 72(t) withdrawal, the distributions must be “substantially equal” payments based upon your life expectancy. The catch is that once the distributions begin, they must continue for a period of five years or until you reach age 59, which ever is longest. Once that period is met, changes in the withdrawal amount and frequency can be made or even stopped. The full rules and life expectancy tables can be found in IRS Publication 590.

There are currently three (3) approved methods for calculating 72(t) distribution totals:

o Life Expectancy

o Amortization

o Annuitization

Without going into the pros, cons and the nuances of each of the above methods, to determine which provides the best results for your specific situation the withdrawal amount should be calculated for each method. The result of each method is then compared to the amount you have determined is needed. Select the method that best matches the desired withdrawal amount, As a general rule of thumb you can expect to get more from the Annuitization or Amortization methods than from the life Life Expectancy method.

While this sounds like an attractive solution to a near term financial problem, it can have disastrous effects if not well thought out and planned for. If you are seriously considering taking a 72(t) distribution it is important to be aware of the potential downsides of doing so.

o If you use too high a rate of withdrawal, you could run out of money. This could occur before your retirement ends and worse yet even before the 72(t) distribution ends. This possibility increases substantially if your investments decline in value over the distribution period. This is not as a remote of a possibility as one might think.

o Even if you could afford to spend your retirement money without impacting your retirement, 72(t) withdrawal calculations are complicated. Moreover, if you make a mistake the IRS can levy a 10% penalty on the withdrawals retroactively.

o Quite frequently the IRA custodian will have problems with the proper coding of the withdrawal when reporting the distributions on Form 1099R to the IRS. This can cause a major time, resource and financial headache when you have to clear up their reporting error. In addition and as important it can raise an unnecessary investigative flag with the IRS. Having the IRS auditing your returns regularly is something we would all like to avoid if at all possible.

o Once you start an annuitization or amortization method withdrawal, you are stuck with that amount until your 72(t) term ends (i.e. no recalculation allowed for these methods) even if your investments decline in value. Only way to reduce amount taken out is if you make a one-time only election to switch to the life expectancy method (which doesnt guarantee a certain amount of income like amortization or annuitizing) or waiting until your 72(t) term ends.

Keep in mind that if you only need a portion of your IRA to make the desired withdrawal amounts it would be worth your time to split the money in two separate IRAs. That way, if you require more money than anticipated, you can start 72(t) payments on the second IRA. Additionally, if only a portion of your money is needed to meet your desired distribution levels there is no need to expose the other assets to the potential risks inherent in the 72(t) option.

The 72(t) is a great tool for early retirees to access their retirement savings without losing a portion of their money to IRS early withdrawal penalties. For short term emergency financial relief, I recommend using the 72(t) as a last resort. That being said, regardless of your reason for using the 72(t) option, mistakes are costly so it would pay to get expert help to determine the best solution.

The author, Chuck Gibson is President of Financial Perspectives a retirement planning and investment advisory specialist. http://www.financialperspectives.biz/

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It is no wonder that Americans are concerned about taxes, especially the 70 million plus baby boomers who are starting to think about retirement, because depending on where you live, you are paying anywhere between 28 and 38 percent of your income in taxes.

While individuals vary in their wants and needs, minimizing state and local taxes should be one of the considerations when planning for retirement. While for a given income, the federal tax bite is uniform across the country, the key to reducing your tax burden lies in minimizing state and local taxes.

The following is a list of the “top ten” highest tax states (state and local tax burdens): Vermont, Maine. New York,. Rhode Island, Ohio, Hawaii, Wisconsin, Connecticut, Nebraska, and New Jersey. They range from 14.1 percent in Vermont to 11.6 percent in New Jersey.

The “top ten” lowest tax states are as follows: Alaska, New Hampshire, Tennessee, Delaware, Alabama, Oklahoma, South Dakota, Texas, Wyoming and Montana. They range from 6.6 percent in Alaska to 9.7 percent in Montana.

What cities do I like in some of the lower tax states? Consider Hanover-Lebanon, NH at 4.5 percent (city tax bite); Oxford, MS and Fairhope, AL (5%); Boulder City, NV, Las Vegas and Covington, LA (all at 6%); San Antonio and Austin, TX at 7.8%; Charlottesville, VA at 8.5%; and finally, Portland, OR at 8.7 percent. All ten cities have state and local tax burdens below the national average of 9.7 percent.

Keep in mind that while moving from the highest tax state (Vermont) to the lowest tax state (Alaska) would reduce your state and local tax burden by 7.5%, moving from New Jersey to Montana would save you less than 2%, and the majority of popular interstate moves would save you even less. So while tax savings can be significant, it is also important to consider other factors like cost of housing.

Warren Bland, PhD (http://www.nextdecade.com) is an award winning geographer at Cal State and author of “Retire in Style, 60 Outstanding Places Across the USA and Canada”. He has appeared on Fox News, Bloomberg, CNN and MSNBC and is frequently quoted in national newspapers and magazines throughout the US and Canada.

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