Column Archive: Navigating the Retirement Maze

Column Archive: "Navigating the Retirement Maze" This column appears monthly in the Lexington Minuteman newspaper.  (To search for articles by title or keyword, use <Ctrl-F>.)                                         Coromandel Wealth Management  •  15 Muzzey Street  •  Lexington, MA  02421  •  (781) 728-9001               CWM © 2021

Selection	File type icon	File name	Description	Size	Revision	Time	User

	2011

Selection	File type icon	File name	Description	Size	Revision	Time	User
	Ċ	2011-03-ItsNotYourFathersRetirement.pdf View Download	It's Not Your Father's Retirement (March 2011)	58k	v. 4	Jun 25, 2014, 8:53 AM	George G.
	Ċ	2011-04-TargetDateFunds-IsYoursMissingtheMark.pdf View Download	Target Date Funds: Is Yours Missing the Mark? (April 2011)	59k	v. 6	Jun 25, 2014, 8:53 AM	George G.
	Ċ	2011-05-Inflation-TheStealthEnemyofRetirement.pdf View Download	Inflation: The Stealth Enemy of Retirement (May 2011)	59k	v. 5	Jun 25, 2014, 8:53 AM	George G.
	Ċ	2011-06-Expecting9PercentReturns-TimetoGetReal....pdf View Download	Expecting 9% Returns? Time to Get Real... (June 2011)	59k	v. 5	Jun 25, 2014, 8:53 AM	George G.
	Ċ	2011-07-AbsoluteReturnFunds-AbsolutelyMisleading.pdf View Download	Absolute Return Funds: Absolutely Misleading (July 2011)	59k	v. 6	Jun 25, 2014, 8:53 AM	George G.
	Ċ	2011-08-ProtectingYourRetirementAgainstaDecliningDollar.pdf View Download	Protecting Your Retirement Against a Declining Dollar (August 2011)	128k	v. 5	Jun 25, 2014, 8:53 AM	George G.
	Ċ	2011-09-Annuities-KnowWhatYou'reBuying.pdf View Download	Annuities: Know What You're Buying (September 2011)	56k	v. 7	Jun 25, 2014, 8:53 AM	George G.
	Ċ	2011-10-401(k)s-BewaretheKillerFees.pdf View Download	401(k) Funds: Beware the "Killer Fees" (October 2011)	72k	v. 5	Jun 25, 2014, 8:53 AM	George G.
	Ċ	2011-11-IftheMarketIsMakingYouNervous,Use“Buckets”.pdf View Download	Market Making You Nervous? Use “Buckets” (November 2011)	66k	v. 6	Jun 25, 2014, 8:53 AM	George G.
	Ċ	2011-12-TimingYourSocialSecurityBenefits.pdf View Download	Social Security: Timing is Everything (December 2011)	58k	v. 4	Jun 25, 2014, 8:53 AM	George G.

	2012

Selection	File type icon	File name	Description	Size	Revision	Time	User
	Ċ	2012-01-OptimizingYourRetirementWithdrawals.pdf View Download	Optimizing Your Retirement Withdrawals (January 2012)	63k	v. 7	Jun 25, 2014, 9:35 AM	George G.
	Ċ	2012-02_-_When_Can_I_Afford_to_Retire.pdf View Download	When Can I Afford to Retire? (February 2012)	60k	v. 6	Jun 25, 2014, 8:54 AM	George G.
	Ċ	2012-03 - Chasing Yield.pdf View Download	Chasing Yield? Do So Cautiously (March 2012)	66k	v. 6	Jun 25, 2014, 9:35 AM	George G.
	Ċ	2012-04 - 2012, A Great Year for Being Charitable.pdf View Download	2012 - A Great Year for Being Charitable (April 2012)	54k	v. 6	Jun 25, 2014, 9:35 AM	George G.
	Ċ	2012-05 - Women Need Financial Plans, Too.pdf View Download	Women Need Financial Plans, Too (May 2012)	191k	v. 6	Jun 25, 2014, 9:35 AM	George G.
	Ċ	2012-06-Better Returns with Less Risk.pdf View Download	Want Better Returns with Less Risk? Read On... (June 2012)	169k	v. 7	Jun 25, 2014, 9:35 AM	George G.
	Ċ	2012-07 - Save Money by Building Your Own Bond Ladder.pdf View Download	Save Money by Building Your Own Bond Ladder (July 2012)	211k	v. 6	Jun 25, 2014, 9:35 AM	George G.
	Ċ	2012-08 - Profiting During a Declining Market.pdf View Download	Profiting During a Declining Market (August 2012)	195k	v. 5	Jun 25, 2014, 9:35 AM	George G.
	Ċ	2012-09 - Time to Harvest Your Gains.pdf View Download	Time to Harvest Your Gains (September 2012)	223k	v. 5	Jun 25, 2014, 9:35 AM	George G.
	Ċ	2012-10 - Money for Nothin.pdf View Download	Money for Nothin' - Because the Debt is Free (October 2012)	51k	v. 5	Jun 25, 2014, 9:35 AM	George G.
	Ċ	2012-11 - Lump Sum Payouts - Just Say No.pdf View Download	Offered a Lump Sum? Just Say "No" (November 2012)	205k	v. 4	Jun 25, 2014, 9:35 AM	George G.
	Ċ	2012-12 - Avoiding Your Personal Fiscal Cliff.pdf View Download	Avoiding Your Own Personal "Fiscal Cliff" (December 2012)	227k	v. 4	Jun 25, 2014, 8:54 AM	George G.

	2013

Selection	File type icon	File name	Description	Size	Revision	Time	User
	Ċ	2013-01 - Long Term Care (Part 1).pdf View Download	Long Term Care: The Elephant in the Room (January 2013)	49k	v. 4	Jun 25, 2014, 8:55 AM	George G.
	Ċ	2013-02 - Long Term Care (Part 2).pdf View Download	Long Term Care: Paying for the "Elephant" (February 2013)	200k	v. 4	Jun 25, 2014, 8:55 AM	George G.
	Ċ	2013-03 - Taxing Times.pdf View Download	Taxing Times (March 2013)	199k	v. 5	Jun 25, 2014, 8:55 AM	George G.
	Ċ	2013-04 - To Retire Well, Get Smart.pdf View Download	Resources for helping you plan for a better retirement (April 2013)	203k	v. 4	Jun 25, 2014, 8:55 AM	George G.
	Ċ	2013-05 - Planning for When Youre Gone.pdf View Download	Estate Planning: Planning for When You're Gone (May 2013)	193k	v. 4	Jun 25, 2014, 8:55 AM	George G.
	Ċ	2013-06 - Leaving the Party Early.pdf View Download	Leaving the Party Early: Lock in some of your market gains (June 2013)	240k	v. 4	Jun 25, 2014, 8:55 AM	George G.
	Ċ	2013-07 - Inflation - A few TIPS (July 2013).pdf View Download	Worried about inflation? A few TIPS... (July 2013)	203k	v. 4	Jun 25, 2014, 8:55 AM	George G.
	Ċ	2013-08 - Choosing the Best 529 Plan.pdf View Download	For the Best 529 Plans, Skip Town (August 2013)	185k	v. 6	Jun 25, 2014, 8:55 AM	George G.
	Ċ	2013-09 - Steer Clear of High Risk Bonds.pdf View Download	Steer Clear of High Risk Bonds (September 2013)	181k	v. 4	Jun 25, 2014, 8:55 AM	George G.
	Ċ	2013-10 - Dont Ignore Investings Only Free Lunch.pdf View Download	Don't Ignore Investing's Only "Free Lunch" (October 2013)	208k	v. 4	Jun 25, 2014, 9:36 AM	George G.
	Ċ	2013-11 - With Index Funds, Look Beyond Vanilla.pdf View Download	Index Funds: Look Beyond "Vanilla" (November 2013)	204k	v. 5	Jun 25, 2014, 8:55 AM	George G.
	Ċ	2013-12 - The Taxman cometh - but theres still time.pdf View Download	The Taxman Cometh... but there is still time (December 2013)	184k	v. 4	Jun 25, 2014, 8:55 AM	George G.

	2014

Selection	File type icon	File name	Description	Size	Revision	Time	User
	Ċ	2014-01 - Protecting your digital legacy.pdf View Download	Protecting your digital legacy: Managing and preserving your online assets (January 2014)	209k	v. 5	Jun 25, 2014, 8:56 AM	George G.
	Ċ	2014-02 - Getting Your Financial Moneys Worth.pdf View Download	Getting Your Financial $$$'s Worth (February 2014)	138k	v. 5	Jun 25, 2014, 8:56 AM	George G.
	Ċ	2014-03 - How Safe Is Your Glide Path.pdf View Download	How Safe is Your "Glide Path"? (March 2014)	47k	v. 5	Jun 25, 2014, 8:56 AM	George G.
	Ċ	2014-04 - How not to be your own worst enemy.pdf View Download	How not to be your own worst enemy (April 2014)	226k	v. 4	Jun 25, 2014, 8:56 AM	George G.
	Ċ	2014-05 - Why is the SEC redefining Fiduciary (May 2014).pdf View Download	Why is the SEC redefining "Fiduciary"? (May 2014)	249k	v. 6	Jun 25, 2014, 8:56 AM	George G.
	Ċ	2014-06 - Annuities redux (June 2014).pdf View Download	Annuities redux: Needs and wants (June 2014)	191k	v. 5	Jul 28, 2014, 7:58 AM	George G.
	Ċ	2014-07 - Why Johnny cant save (July 2014).pdf View Download	Financial literacy: Why Johnny can't save (July 2014)	222k	v. 4	Jun 25, 2014, 8:56 AM	George G.
	Ċ	2014-08 - To_Roth_or_not_to_Roth.pdf View Download	To Roth, or not to Roth? It depends (August 2014)	287k	v. 4	Jul 28, 2014, 7:57 AM	George G.
	Ċ	2014-09_-_The_Magic_of_Compounding.pdf View Download	The Magic of Compounding (September 2014)	204k	v. 4	Sep 3, 2014, 3:04 PM	George G.
	Ċ	2014-10_-_Risk.pdf View Download	Winning the game of Risk (October 2014)	215k	v. 5	Oct 9, 2014, 12:29 PM	George G.
	Ċ	2014-11_-_Risk_Part_2.pdf View Download	Rightsizing your portfolio risk (November 2014)	214k	v. 5	Nov 21, 2014, 10:47 AM	George G.
	Ċ	2014-12_-_Retirement_vs._College.pdf View Download	Retirement vs. College: Is it a fair fight? (December 2014)	227k	v. 4	Dec 16, 2014, 1:06 PM	George G.

	2015

Selection	File type icon	File name	Description	Size	Revision	Time	User
	Ċ	2015-01_-_Stretching_your_inheritance.pdf View Download	How to S-T-R-E-T-C-H your inheritance (January 2015)	223k	v. 5	Jan 12, 2015, 2:19 PM	George G.
	Ċ	2015-02_-_Tax Alpha.pdf View Download	Are you getting "Tax Alpha?" (February 2015)	428k	v. 4	Apr 15, 2015, 10:05 AM	George G.
	Ċ	2015-03_-_Mediconfused.pdf View Download	Medicare options: Are you Mediconfused? (March 2015)	252k	v. 4	Apr 15, 2015, 10:05 AM	George G.
	Ċ	2015-04_-_Mediconfused_Part_2.pdf View Download	Further adventures in Medicare Land (April 2015)	291k	v. 5	Apr 15, 2015, 10:01 AM	George G.
	Ċ	2015-05_-_Nest_egg_economics.pdf View Download	Nest Egg Economics (May 2015)	313k	v. 4	May 18, 2015, 3:03 PM	George G.
	Ċ	2015-06_-_Backdoor_Roth.pdf View Download	Don't miss this new "Backdoor" Roth IRA (June 2015)	327k	v. 5	Feb 24, 2016, 12:46 PM	George G.
	Ċ	2015-07_-_Bonds.pdf View Download	Bonds: Hold 'em or Fold 'em? (July 2015)	159k	v. 4	Jul 20, 2015, 7:45 PM	George G.
	Ċ	2015-08_-_Collectibles.pdf View Download	Don’t confuse collectibles with investments (August 2015)	267k	v. 7	Aug 10, 2015, 1:12 PM	George G.
	Ċ	2015-09_-_Alts.pdf View Download	Alternatives: The wrong way to diversify a portfolio (September 2015)	180k	v. 6	Feb 24, 2016, 12:46 PM	George G.
	Ċ	2015-10_-_Manic_Market.pdf View Download	Buy? Sell? Panic? Navigating a Manic Market (October 2015)	236k	v. 5	Oct 18, 2015, 9:03 PM	George G.
	Ċ	2015-11_-_SS_changes.pdf View Download	"Honey, they shrunk our Social Security options" (November 2015	153k	v. 4	Mar 21, 2016, 4:19 PM	George G.
	Ċ	2015-12_-_Managing_longevity.pdf View Download	Managing the challenge of longevity (December 2015)	157k	v. 5	Mar 21, 2016, 4:20 PM	George G.

	2016

Selection	File type icon	File name	Description	Size	Revision	Time	User
	Ċ	2016-01_-_Market_myths.pdf View Download	"Cash is trash" and other investing myths (January 2016)	235k	v. 4	Jul 18, 2016, 1:51 PM	George G.
	Ċ	2016-02_-_Financing_College_1.pdf View Download	Solving the "College Cost" Blues (February 2016)	221k	v. 5	Feb 24, 2016, 12:42 PM	George G.
	Ċ	2016-03_-_Financing_College_2.pdf View Download	College financial aid: "Show me the money!"	249k	v. 4	Mar 21, 2016, 4:15 PM	George G.
	Ċ	2016-04_-_DOL_Fiduciary_rule.pdf View Download	Why DOL’s new “fiduciary” rules matter (April 2016)	264k	v. 4	Apr 18, 2016, 8:25 PM	George G.
	Ċ	2016-05_-_Insurance.pdf View Download	Insurance: Don’t gamble on your retirement (May 2016)	301k	v. 5	May 19, 2016, 12:06 AM	George G.
	Ċ	2016-06_-_Retirement_Relocation.pdf View Download	Retiring elsewhere? Develop a flight plan (June 2016)	286k	v. 4	Jun 22, 2016, 2:37 PM	George G.
	Ċ	2016-07_-_Market_future.pdf View Download	Preparing for a future of low returns (July 2016)	232k	v. 4	Mar 20, 2017, 2:28 PM	George G.
	Ċ	2016-08_-_HSAs.pdf View Download	Health Savings Accounts - Win the "Tax trifecta" (August 2016)	278k	v. 4	Aug 15, 2016, 6:43 PM	George G.
	Ċ	2016-09_-_Interest_Rates.pdf View Download	Interest rates have you worried? They should (September 2016)	323k	v. 4	Sep 20, 2016, 2:30 PM	George G.
	Ċ	2016-10_-_ARMageddon.pdf View Download	Interest Rates: Prepare for ARMageddon (October 2016)	306k	v. 4	Oct 26, 2016, 10:49 AM	George G.
	Ċ	2016-11_-_Forgotten_assets.pdf View Download	Claim your assets before your state does (November 2016)	297k	v. 4	Dec 13, 2016, 1:20 PM	George G.
	Ċ	2016-12_-_Tax_changes_2017.pdf View Download	Tax changes are coming in 2017, so act now (December 2016)	324k	v. 6	Dec 13, 2016, 1:56 PM	George G.

	2017

Selection	File type icon	File name	Description	Size	Revision	Time	User
	Ċ	2017-01_-_HECMs.pdf View Download	Retirement cash hiding right under your nose (January 2017)	341k	v. 4	Mar 20, 2017, 2:28 PM	George G.
	Ċ	2017-02_-_RoboAdvisors.pdf View Download	How to Fire Your Investment Manager (February 2017)	311k	v. 5	Mar 20, 2017, 2:28 PM	George G.
	Ċ	2017-03_-_Indexing.pdf View Download	When Indexing Doesn't Work (March 2017)	300k	v. 4	Mar 20, 2017, 2:27 PM	George G.
	Ċ	2017-04_-_Pascal-SS.pdf View Download	Pascal and Your Prepaid Annuity (April 2017)	272k	v. 4	Apr 24, 2017, 8:16 AM	George G.
	Ċ	2017-05_-_ESG.pdf View Download	ESG-SRI Investing: Many options for "Doing good" (May 2017)	294k	v. 4	Feb 24, 2020, 7:46 PM	George G.
	Ċ	2017-06_-_Beneficiaries.pdf View Download	Beware of beneficiary designation boo-boos (June 2017)	317k	v. 5	Jun 28, 2017, 11:53 AM	George G.
	Ċ	2017-07_-_Home_bias.pdf View Download	Don't let "home bias" impair your returns (July 2017)	294k	v. 4	Jul 25, 2017, 5:41 PM	George G.
	Ċ	2017-08_-_New_Retirement.pdf View Download	On your mark... get set... ready to retire? (August 2017	311k	v. 4	Aug 31, 2017, 8:31 AM	George G.
	Ċ	2017-10_-_Medicare_OE.pdf View Download	Learn to love Medicare Open Enrollment (October 2017)	287k	v. 4	Nov 3, 2017, 12:40 PM	George G.
	Ċ	2017-12_-_Tax_changes.pdf View Download	Last minute actions to save on your taxes (December 2017)	362k	v. 4	Dec 20, 2017, 8:51 PM	George G.

	2018

Selection	File type icon	File name	Description	Size	Revision	Time	User
	Ċ	2018-01_-_Bitcoin.pdf View Download	Bitcoin and the GFT (January 2018)	335k	v. 4	Feb 25, 2018, 10:55 AM	George G.
	Ċ	2018-02_-_Volatility.pdf View Download	The Return of Volatility (February 2018)	308k	v. 4	Mar 1, 2018, 7:48 AM	George G.
	Ċ	2018-08_-_Longevity.pdf View Download	Longevity (August 2018)	327k	v. 6	Sep 26, 2018, 5:11 PM	George G.
	Ċ	2018-09_-_FP-tools.pdf View Download	In financial planning, it's all about the tools (September 2018)	119k	v. 4	Sep 26, 2018, 5:10 PM	George G.
	Ċ	2018-10_-_New_tax_law.pdf View Download	Reducing your taxes under the new tax law (October 2018)	119k	v. 4	Oct 24, 2018, 2:02 PM	George G.
	Ċ	2018-12_-_Financial_fallout_shelter.pdf View Download	Building your financial fallout shelter (December 2018)	249k	v. 5	Dec 29, 2018, 11:12 AM	George G.

	2019

Selection	File type icon	File name	Description	Size	Revision	Time	User
	Ċ	2019-06_-_Tax_brackets.pdf View Download	Mind the gap... and reduce your taxes (June 2019)	168k	v. 4	Aug 12, 2019, 6:47 PM	George G.
	Ċ	2019-07_-_Stretch_IRA.pdf View Download	The Demise of the Stretch IRA (July 2019)	226k	v. 4	Aug 12, 2019, 6:47 PM	George G.
	Ċ	2019-09_-_Bond_Index_Funds.pdf View Download	Avoid (Most) Bond Index Funds Like the Plague (September 2019)	321k	v. 9	Sep 17, 2019, 1:02 PM	George G.
	Ċ	2019-10_-_2nd_home.pdf View Download	Preventing Second Home Family Feuds (October, 2019)	210k	v. 4	Oct 31, 2019, 1:36 PM	George G.
	Ċ	2019-12_-_FOMO.pdf View Download	Don't let FOMO destroy your retirement (December, 2019)	237k	v. 4	Dec 19, 2019, 8:29 AM	George G.

	2020

Selection	File type icon	File name	Description	Size	Revision	Time	User
	Ċ	2020-01_-_Cut_fees.pdf View Download	Resolve to put your investment fees on a diet (January 2020)	165k	v. 4	Jan 23, 2020, 10:35 AM	George G.
	Ċ	2020-03_-_Meltdown.pdf View Download	Dealing with a Market Meltdown (March 2020)	67k	v. 4	May 26, 2020, 9:59 AM	George G.
	Ċ	2020-04_-_Investing_during_Coronavirus.pdf View Download	Investing in the Time of Coronavirus (April 2020)	118k	v. 4	Apr 6, 2020, 2:23 PM	George G.
	Ċ	2020-05_-_HECM_Redux.pdf View Download	Reverse Mortgages - Time to Break the Glass? (May 2020)	173k	v. 5	May 26, 2020, 10:08 AM	George G.
	Ċ	2020-08_Market_Gods.pdf View Download	The Market Gods Must Be Crazy (August 2020)	262k	v. 5	Aug 11, 2020, 9:50 AM	George G.
	Ċ	2020-11_-_Medicare_OE_Redux.pdf View Download	Learn to Love Medicare Open Enrollment (November 2020)	70k	v. 2	Nov 4, 2020, 10:22 AM	George G.

	2021

Selection	File type icon	File name	Description	Size	Revision	Time	User
	Ċ	2021-01_-_Annuities-Hold_or_fold.pdf View Download	Annuities - When to hold 'em, when to fold 'em (February 2021)	184k	v. 2	Feb 22, 2021, 6:30 PM	George G.
	Ċ	2021-02a_-_Market_Turbulence.pdf View Download	Caution - Market Turbulence Ahead (February 2021)	182k	v. 2	Feb 22, 2021, 6:30 PM	George G.
	Ċ	2021-03_-_QCDs.pdf View Download	Feeling Charitable? Use QCDs ASAP (March 2021)	186k	v. 3	Mar 19, 2021, 1:59 PM	George G.
	Ċ	2021-04_-_SECURE_Act.pdf View Download	Fixing what the SECURE Act broke (April, 2021)	184k	v. 3	May 5, 2021, 3:35 PM	George G.
	Ċ	2021-07_-_SD-IRAs.pdf View Download	Self-Directed IRAs: Caveat Investor (July 2021)	209k	v. 2	Jul 7, 2021, 10:22 PM	George G.
	Ċ	2021-08_-_Disclaiming_Inheritance.pdf View Download	Disclaim your inheritance? It might make sense (August 2021)	69k	v. 2	Aug 25, 2021, 12:51 PM	George G.