Conscientious Financial Planning and Retirement Income Management | 201-741-9528
from Lonier Financial Advisory LLC, Osprey, FL

Tag Archives: retirement expenses

Inside Your Household Balance Sheet

Your household balance sheet provides a baseline for your retirement income plan. Last time in this series on Lifetime Financial Planning (“Can I Afford to Retire?”), I discussedretirement-readiness as the ratio of your projected annual expenses in retirement, less your social security and pension income, to your savings. If your annual expenses net of SS […]

Can I Afford to Retire?

Can I afford to retire? How much do I need? When can I retire? These are the big questions we all struggle with when retirement age approaches. Obviously enough, there’s no do-over, either for the years saving and preparing for retirement, or after you pull the trigger—you’ll be hard pressed to get your old job […]

Household Spending And Your Retirement Plan

Your current and future household expenses are the fulcrum for your lifetime financial plan. Getting you savings and expenses lined up and in balance is the gateway to a secure retirement. Last time (“Retirement Planning 101: Getting Your Bearings”) we covered the role your household balance sheet plays in locating your family’s lifestyle and not your […]