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The Mallard Money Blog

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CCRCs as a Long-Term Care Solution

Selecting where to live later in retirement is a big decision that involves one new major consideration: healthcare. We are faced with tremendous uncertainty, because we don’t know how long we will live, how much care we will need, what type of care we will need, or how our medical decline will unfold. The big question is: Will we make the last housing decision on our own and in advance or will we have a non-choice thrust upon us when a health crisis hits?

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The Secret to a Fulfilling Retirement

Retirement is hard. It is emotionally hard even if you are fully financially prepared for retirement. It can be jarring for many new retirees to go from an environment of structure, deadlines, and meetings to...well, pretty much none of that. With days no longer occupied with these responsibilities, retirement is like a blank canvas. While this can be liberating, it can also be intimidating as you first gaze upon the pure white canvas—especially if you have no idea what you want to “paint”!

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SECURE Act Makes Big Changes to IRA's

The SECURE Act has been passed by the House, Senate, and signed into law by the President last week. SECURE stands for Setting Every Community Up for Retirement Enhancement. While some provisions are intended to raise revenue, most of the changes are designed to boost retirement savings. While there are many tax changes, I will briefly (i.e., not detailing all of the nuances) describe just the three biggest changes affecting clients in this blog post.

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Bill's Father Discusses His Retirement Community (CCRC)

My father and his wife moved into a CCRC last year and in no way feel they have moved into a nursing home. Instead, they would say it is closer to a cross between a college campus and a country club. He was recently featured in the 2.5 minute video (above) for their community (Garden Spot Village) to show the under-represented side to CCRCs: the youthful, adventurous, and active side experienced by many of the physically active residents.

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Spend Down Your Home with a Reverse Mortgage

Retired homeowners likely have some equity in their homes that is actually a large "asset" that they don't think about, or consider valuable in any way. However, for most clients, their home equity is a large asset that should be evaluated and considered as part of their overall "portfolio". The best way to do this is to think of your home’s equity the same way you would think about an IRA. They are both assets that are available for withdrawals. Spending down your IRA is easy to understand and to execute, but how do you spend down your home?

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