For most of us, there is an accumulation-of-assets phase of our lives that is normally from age 18 to 65. Simply put—you systematically save and invest efficiently over time for the assets that you hope will get you through retirement. The more difficult phase of our lives is when we face the de-accumulation of assets once we reach retirement—typically age 65 or later. This phase requires us to start using those assets in retirement when many of us face the longest voluntary unemployment period of our lives. Statistically, those who reach the age of 65 are now projected to […]
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