{"id":2368,"date":"2021-09-28T15:38:44","date_gmt":"2021-09-28T19:38:44","guid":{"rendered":"https:\/\/www.thewealthguardians.com\/staging\/3023\/?p=2368"},"modified":"2021-09-28T15:38:44","modified_gmt":"2021-09-28T19:38:44","slug":"4-actions-to-take-if-youre-retiring-in-2021","status":"publish","type":"post","link":"https:\/\/www.thewealthguardians.com\/staging\/3023\/4-actions-to-take-if-youre-retiring-in-2021\/","title":{"rendered":"4 Actions to Take if You\u2019re Retiring in 2021"},"content":{"rendered":"

<\/p>\"\"It\u2019s common for people who are retiring to set their retirement date in either the springtime or the early summer. If you happen to be one of those lucky folks who are going to retire this year, then \u201cCongratulations!\u201d\n

But before you start planning your retirement party, make sure you do these four things if you\u2019re retiring in 2021.<\/p>\n

    \n
  1. Don\u2019t Leave Money on the Table.<\/strong><\/li>\n<\/ol>\n

    As part of your employment, you may be entitled to \u201cmatching\u201d and\/or \u201cprofit-sharing\u201d contributions from your employer to your 401(k) or other retirement plan. Since you typically need to be actively employed on the date the payment occurs to receive these funds, make sure you understand these terms prior to setting your final work date. You don\u2019t want to miss out on \u201cfree\u201d money!<\/p>\n

    For personal contributions, you may want to increase your contribution percentage to help you reach your annual maximum. Many employers cap the amount you can contribute to your plan from each paycheck. Since you may not be able to increase your contribution rate to 100% for your last couple of paychecks, you may need to instead increase your contribution percentage long before you retire to max out.<\/p>\n

    Your pension benefits are calculated based upon your earnings history. Consequently, you will want to align your retirement date with the timing of your annual compensation adjustment, because retiring before that date could cause you to miss out on including another year of higher compensation in your pension calculation.<\/p>\n

    On a similar note, it\u2019s important to understand the timing and eligibility requirements for any bonus payments you may receive. Most people are required to be gainfully employed at the time the bonus is paid in order to receive it. If you do happen to leave before this date, you may be able to negotiate benefits as part of your retirement agreement.<\/p>\n

    Unused vacation days are typically paid out as part of your final paycheck. This can be a problem when you have an exceptionally large amount of time off, as the large lump sum could push you into a higher tax bracket. If you are planning to retire near the end of the year, take vacation time when you planned to retire, which may enable you to push a hunk of your remaining \u201cvacation wages\u201d into the next year and help minimize the ripple effect from a large, one-time payment.<\/p>\n

      \n
    1. Refresh Your Risk Profile. <\/strong><\/li>\n<\/ol>\n

      Retirement is a major turning point in your life. It\u2019s not just the transition from full-time work to either part-time or no work at all. It\u2019s also the transition from saver to spender, where you face the reality of spending down your retirement nest egg.<\/p>\n

      Given the run-up in the markets since 2009, your asset allocation may be more heavily weighted in stocks than you initially intended. Rebalancing your investments is a good idea during your working years, but it\u2019s even more critical to keep things in balance once you retire. Since you\u2019ll be drawing down your savings to finance your retirement, having too much of your portfolio in riskier assets like stocks leaves you vulnerable to a potential market downturn.<\/p>\n

      Before you rebalance, keep in mind that you may incur tax liabilities and\/or transaction costs, and rebalancing does not assure a profit or protect against a loss.<\/p>\n

        \n
      1. Avoid Underpaying Your Taxes. <\/strong><\/li>\n<\/ol>\n

        When you\u2019re working, your employer automatically withholds taxes from your paycheck unless you opt out to reduce (or increase) this amount. In retirement, the opposite is true. By default, taxes are not withheld on your retirement income. Instead, you must opt in to have taxes withheld from your Social Security benefits, pension benefits and IRA\/401(k) distributions. If you don\u2019t have taxes withheld, estimated tax payments (federal and state) will likely become a necessary part of your life.<\/p>\n

        Imagine you and your spouse are planning on having $150K in retirement income ($50K of Social Security benefits, $25K of pension benefits and $75K of traditional IRA distributions). For federal taxes, you\u2019ll need to pay about $5,500 every quarter ($22K annually) in estimated tax payments. Failing to do so will leave you with approximately $500 in underpayment penalties.<\/p>\n

        Opting in to have taxes withheld from your retirement income will help you dodge penalties from late payment on taxes and avoid the uncomfortable feeling of writing large checks to the IRS.<\/p>\n

          \n
        1. Talk with Your Spouse. <\/strong><\/li>\n<\/ol>\n

          It\u2019s worthwhile to have a good idea of how you\u2019re going to spend your newfound free time in retirement. Many will give a \u201cdeer in the headlights look\u201d when asked what an ideal day in retirement looks like both today and a year from now (after the initial retirement buzz disappears). They were unprepared for the prospect of converting 40+ hours \u201cin the office\u201d into 40+ hours of meaningful activity.<\/p>\n

          At the same time, they also lacked a plan for spending time with their spouse. After all, one or both of you have regularly worked for the past several decades. Retirement creates a brand-new dynamic that removes the element of scheduled separation.\u00a0 Instead, you\u2019re going to be stuck (blissfully) with each other. How will you spend that time? Volunteering? Working around the home? Traveling abroad?<\/p>\n

          Creating a plan for staying busy that both you and your spouse agree on will help ensure that your golden years are sweet, not bittersweet.<\/p>\n

          The Bottom Line<\/strong><\/p>\n

          Taking the plunge into retirement is a monumental milestone. It\u2019s important that you\u2019re ready for it. Ask yourself and\/or your adviser the following questions to help you evaluate your retirement readiness:<\/p>\n

          Do I have a robust understanding of my employer\u2019s benefits plans?<\/p>\n

          What effective (non-marginal) tax rate should I use when setting up withholding on my retirement income payments?<\/p>\n

          Navigating your retirement journey requires that you and your adviser have confident answers to these questions. If you lack clarity, The Wealth Guardians are here to ensures you are on track with your financial plan and the pursuit of your long-term goals.<\/p>\n

          Our\u00a0Custom Retirement Paycheck Plan<\/strong><\/em><\/span><\/a>\u00a0shows how to protect your retirement from the risks of unexpected market swings, tax changes, and health care expenses using a mathematically tested strategy to create lifetime income allowing you to stop worrying about outliving your money and get on with enjoying the rest of your life.<\/p>\n

          Let us show you in black and white a custom retirement income plan that is comprehensive, individualized and based on strategies that balance growth with downside protection. Get your\u00a0Custom Retirement Paycheck Plan<\/strong><\/em><\/span><\/a>\u00a0now!<\/p>\n

          \"\"<\/a><\/p>\n

          \n

          >Click here to learn more about this FREE report<\/span><\/strong><\/em><\/a><\/p>\n<\/blockquote>\n

          Give us a call at our Charlotte office at (704) 248-8549, or our Clemmons office at (336) 391-3409. Or, click here to request a no-cost, no-obligation meeting<\/strong><\/em><\/span><\/a>.<\/p>\n

          \n

          [SOURCES & ADDITIONAL DISCLOSURES]<\/strong><\/p>\n

          Copyright \u00a9 2021 The Kiplinger Washington Editors. All rights reserved. Distributed by Financial Media Exchange.<\/em><\/p>\n<\/body>","protected":false},"excerpt":{"rendered":"

          It\u2019s common for people who are retiring to set their retirement date in either the springtime or the early summer. 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