John Spoto

Are you emotionally prepared to retire? Understanding the financial implications of retirement before you exit the workforce is not an option, but a necessity. Establishing a clear picture of your...

Old fashion employer-sponsored pensions, technically known as "defined benefit pensions," have been an important source of retirement income for decades. For retirees, they often make the difference between a comfortable...

In my article "Should you pay off your mortgage early?", I discussed some of the key considerations in deciding whether or not to accelerate the paydown of your mortgage. Once...

As baby boomers leave the workforce, they are faced with a big decision: what to do with their employer retirement plans. For many, these accounts comprise the bulk of their...

In our last article, we discussed specific obstacles that can get in the way of securing a comfortable retirement. In this article, we'll offer some solutions to help improve the...

Last time, we talked about the importance of making good financial decisions when planning for retirement. Although people have good intentions about how and when to save, left to their...

For most Americans Social Security plays an important role in maintaining retirement security. The benefit payments represent an income stream that is free of default, investment, inflation and longevity (outliving...