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Value Creation Blog

4 Secrets To Retiring Earlier In Life

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This is a guest post from Steven McMeechan from Capstone Financial Planning in Australia.

Retirement is the dream of almost everyone in the developed world. No one wants to keep working longer than necessary. Even people who love their jobs or work for themselves want the financial freedom to sustain themselves without a consistent paycheck – to decide when, where, and how they’re going to work. Here are some tips to achieve that level of freedom, and to help you retire earlier if you so choose 

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Topics: retirement planning, Saving for retirement


Your 5 Minute Retirement Planning Tutorial

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6 Mistakes People Make in Retirement Planning

Take a look at this post from Malaysia.  It's just as true for us in the US as it is there. Why don't you read the post and then let me know what you think in the comments below?

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Topics: retirement planning, business owner retirement


Everything You Wanted to Know About Social Security and Were Too Embarrassed to Ask

couple-receiving-bad-news-over-the-phone-at-home_BFItInRBi.jpgIf you're paying any attention, you've probably heard that the Social Security Trust Fund is running out of money.  In one respect this is true.  At the same time, the problem is not too big to fix today and hopefully, we'll see Congress get around to fixing it.

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Topics: retirement planning, retirement, Saving for retirement


Do You Want Adult Children Or Do We Want Children Who Are Adults?

Do You Want Children.pngHere's a question for you, do you want to have your children act like adults or continue to act like children? I'm going to bet that you want your kids to act like adults.

 If that's true for you, then read on.

 What sort of expectations do you have for your children?

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Topics: retirement planning, Personal Responsibility, Boomerange children, learning from mistakes


The Social Security Dilemma…..When Should You Start Collecting It?

The_Social_Security_Dilemma_1.pngIf this was 1965 I might be writing a post about how to take advantage of the pension plan you have at work.  For the most part, a traditional pension plan is a thing of the past.  Today, you have to depend on what you save in your individual retirement accounts as well as thinking about the choices you have with social security.

If you’ve followed this blog for any period of time you’ve heard me rant about it’s not the investments so much as the amount you save.  Knowing how much you need to save is something you need to think about.  Another decision you’re going to have to make is when to start collecting social security.

You have more choices than you think.

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Topics: retirement planning, wealth management, social security planning


6 Common Risks That Can Ruin Your Retirement

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A large part of the work we do at Stage 2 is helping our clients manage risk. In the investment part of our business that would mean investment management.

That’s not the only type of risk we help you manage. I think a more important risk is what I’m starting to call retirement risk. These are risks besides investment risk that we should be helping you think about.

Here are 6 things for you to consider.

Let’s start with health.

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Topics: retirement planning, financial planning, scenario planning


Boomers, Are You Ready For Retirement?

Boomers_Are_You_Ready_For_Retirement.pngToday I want to talk with you about getting ready for retirement. I’m going to bet that most of you are still working and haven’t retired. Even if you’ve already retired this post will be valuable for you.

Since 1999 there’s been a problem that we’ve all had to deal with. And that problem is the volatility that we see in the stock market. Many of us are scared to have our money in the equity market. That’s too bad, because history has shown that having a reasonable allocation in stocks helps us live through retirement more comfortably.

The new, new.

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Topics: retirement planning, financial planning, investment management


Do You Know How to Value Your Business

If you’re like most business owners I’ve run across and you’re being honest with yourself, the answer would be a resounding no.

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Topics: retirement planning


Boomers - Do You Have Enough For Retirement?

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The unfortunate answer I often hear and see is no. My generation just hasn’t done a great job of saving for life after work. All is not lost. If you haven’t saved enough for retirement here are some things that you might want to think about:





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Topics: retirement planning


Want To Retire…..Manage Your Education

want_to_retireI know, you’ve already gone to school and you feel that you’ve had enough. If that’s what you think, then you’re limiting what you can do with the largest asset you have.

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Topics: retirement planning, retirement, wealth management