Free guide for anyone planning retirement
50 retirement tips, in plain English
Short, practical tips on saving, investing, income, taxes and estate planning, written for people who have been diligent about saving and want to get the next decisions right.
- Keep more of what you’ve saved working for you
- Avoid the emotional mistakes that cost investors the most
- Make sense of pensions, Social Security and RMDs
- Get your estate plan and your family on the same page
What’s inside
Fifty short tips, each one a paragraph or two. Read them in order, or skip to the ones that fit where you are right now. Each one is a decision worth getting right.
Keep your savings working
Why cash loses ground to inflation, and why the full 401(k) match is the easiest money you’ll ever earn.
Set your mix by your goals, not your age
Rebalancing, consolidating old accounts and tuning out the fear and FOMO that drive bad trades.
Know where your paycheck will come from
Pensions, Social Security, part-time work and the difference between income and cash flow.
Plan around the big tax decisions
Roth conversions, RMDs, rollovers and charitable giving, and when to bring in your tax professional.
Keep your plan current
Wills, trusts, a living will and a yearly review so your family isn’t left guessing.
Rethink the house and the mortgage
Rightsizing, property that isn’t pulling its weight and why paying off the mortgage isn’t automatic.
Plan for the people who count on you
Supporting grown children, life insurance, long-term care and a succession plan if you own a business.
Choose your advisors carefully
Interview more than one, walk away from promises of guaranteed returns and get your professionals talking to each other.
It’s never too late to make better financial decisions. Discipline and curiosity will take you further than any hot tip.
Paul Curtman
From Paul Curtman
I’m an investment advisor, and managing portfolios is what I do every day. I started P.R. Curtman Investments to give people honest, personal advice they can understand. I’m a former Marine infantry squad leader, served eight years in the Missouri House as Chairman of Ways and Means, and I’ve worked in the financial industry since 2008. My wife and I have five children.
Most of the people I work with found me through someone they trust. This guide is a good way to see how I think before we ever talk.
- Fee-only, so we do better when you do better
- A fiduciary, required to act in your best interest
- Serving the Panhandle, Missouri and families nationwide by phone and video
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Send me the tipsP.R. Curtman Investments is a registered investment adviser. Registration does not imply a certain level of skill or training. This page and the guide are general education, not individualized investment, tax or legal advice. All investing involves risk, including loss of principal. Past performance does not guarantee future results. We do not prepare taxes or give tax advice; please consult your tax professional and attorney.
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