Most of the general information you’ll find on retirement planning treats retirement as if it were a single, unchanging phase that begins when you stop working and lasts for the rest of your life. However, if you take a closer look, you’ll find that retirement consists of several distinct stages, each of which involves different expenses and consequently requires a different approach to budgeting.

What this means for prospective retirees is that you shouldn’t expect a one-size-fits-all retirement plan to adequately meet your changing needs throughout the whole of your retirement. Instead, to ensure you’re making the most of your…


In the world of cryptocurrencies, it can be difficult to separate fact from fiction. As Bitcoin and other digital currencies have grown exponentially over the past decade, so too have the myths about Bitcoin and the cryptocurrency industry in general. This is a frustrating situation for prospective investors trying to do their homework thoroughly, as all these misconceptions can make it very difficult to find accurate, impartial information on the benefits and risks of cryptocurrencies.

If you’re thinking about investing in cryptocurrencies, or even if you’re simply a curious observer interested in learning more about this new financial sector, read…


Planning for retirement is an important financial consideration that should be initiated as soon as possible. (However, it’s never too late to start the process.)

A general rule of thumb recommended by some wealth management professionals is to save enough in your lifetime so that you can live off 80 percent of your pre-retirement income. To achieve this, people in their 30s should have already saved an amount equal to or double their annual salary. Those in their 60s should have a nest egg of at least eight times their annual salary.

For a more concrete retirement savings estimate, you…


401(k) plans are hailed by many financial experts as one of the easiest and most convenient ways to save for retirement. However, according to data from the US Census Bureau, although an estimated 79 percent of American workers have access to a 401(k) plan through their employer, only 41 percent of those choose to take advantage of this retirement savings option.

Given the many benefits they can offer, why is 401(k) uptake so low? One possible reason could be the fact that many people, even those who do participate in a 401(k), find the rules and details of this type…


Most people worry about saving enough money for retirement. Between taxes, healthcare costs, and inflation, people frequently underestimate how much money they will need. However, it is also possible to save too much. It’s worth asking if your nest egg is too big.

If your retirement plan projects a big surplus, you may actually be depriving your heirs and beneficiaries of a lot of money, due to an overly conservative investment strategy. If this is the case, you may benefit from two different investment strategies. One strategy ensures you have the money you need to live the life you want…


I recently did a webinar with a colleague on the subject of learning about Bitcoin and cryptos.

An Introduction to Crypto-Currencies

Hosted by Robert Ryerson, Dr. Jose Cao Alvira, Nikki Shank

Thursday, March 25 2021

6:00 PM Eastern Time (US and Canada) GMT -4

We have recorded the webinar event for you!

In case you missed the live webinar, or in case you would like to watch it again, here is the link to the replay video:

Enjoy the content!

A Helpful Cryptocurrency Glossary That’s Great for Beginners

If you’re thinking about investing in cryptocurrencies, familiarizing yourself with the industry’s most common terms is a helpful first step to take. The world…


One of the biggest fears anyone has about retirement is the prospect of running out of money. Even with meticulous planning, it is possible to go broke in retirement if you do not stick to a clear budget and account for changes in your finances. Naturally, planning your finances carefully before retirement will reduce the chances that you run out of money, but it is important to check in regularly to ensure you are still on the right track and make adjustments if necessary.

Also, some red flags might arise while you are retired that could put you at risk…


The amount of money needed for retirement depends on factors including lifestyle, age, and health. Generally, experts suggest that individuals should aim to live off of 80 percent of their final pre-retirement salary. Someone who made $100,000 per year at retirement, then, should have enough saved that they can comfortably spend $80,000 per year when they leave the workforce.

To achieve this figure, it is critical to start saving money as early as possible. Fidelity, for instance, suggests workers should have an amount equal to their annual salary set aside by age 30.

But despite the wealth of retirement planning…


There’s little doubt that cryptocurrency is one of the hottest topics in the financial sphere today, but this doesn’t necessarily mean that it’s easy to understand. Due to the sophisticated technology that powers it and the incredible speed with which it has evolved, cryptocurrency can be a confusing subject even for people with a good deal of financial knowledge, let alone for the average investor wondering about the best way to save for retirement.

To help demystify some of the current discussion around cryptocurrencies, New Century Planning Associates Inc. has just released a special presentation that aims to introduce the…


If you’re finding it difficult to make retirement planning a priority, you’re not alone. Meeting your current financial obligations-such as rent or mortgage payments, recurring monthly expenses, and debt or interest repayments-can be challenging enough without having to think about the long-term future as well. Given how great this pressure from immediate financial demands can be, it’s perhaps not surprising that 42 percent of Americans say they have no retirement savings at all, as revealed in a 2018 report from the Center for Financial Services Innovation.

However, while this figure may not be surprising, it is certainly concerning. For people…

Robert Ryerson

Robert Ryerson authored the 2016 book What’s the Deal With Identity Theft?: A Plain English Look at Our Fastest Growing Crime.

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