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Retirement Expert Bill Losey Discusses Seven Common Retirement Assumptions

admin — Wed, 08 May 2013 13:10:50 +0000

Bill Losey, America’s Retirement Strategist® and 401(k) rollover expert, published a new blog reassessing seven retirement assumptions.

Saratoga Springs, NY. – May 8, 2013 – Bill Losey, author and retirement expert and advisor, recently published a blog discussing seven common assumptions that retirees often make. In this blog, found on his website http://www.BillLosey.com, titled “7 Retirement Assumptions Reassessed”, Bill explains how there is no such thing as a “typical” retirement, and that your retirement planning should reflect that, depending on your financial and lifestyle circumstances.

“Just as there is no routine retirement, there are no rote financial moves that should be made before or during this phase of life, and no universal truths about the retirement experience,” writes Losey.

Bill goes into details about seven commonly held assumptions, including:

You should take Social Security as late as possible
You’ll probably live 15-20 years after you retire
You should step back from growth investing as you get older
The way most people invest is the way you should invest
Going Roth is a no-brainer
A lump sum payout represents a good deal
Living it up in your 60s won’t hurt you in your 80s

About Roth IRAs being a no-brainer, Bill writes, “Not necessarily. If you are mulling a Roth IRA or Roth 401(k) conversion, the big question is whether the tax savings in the end will be worth the tax you will pay on the conversion today. The younger you are – roughly speaking – the greater the possibility the answer will be “yes”, as your highest-earning years are likely in the future. If you are older and at or near your peak earning potential, the conversion may not be worth it at all.”

About living 15-20 years after you retire, Bill explains, “You may live much longer, especially if you are a woman. According to the Census Bureau, the population of Americans 100 or older grew 65.8% between 1980 and 2010, and 82.8% of centenarians were women in 2010. The real eye-opener: in 2010, slightly more than a third of America’s centenarians lived alone in their own homes. Had their retirement expenses lessened with time? Doubtful to say the least.”

Learn about the other five retirement assumptions by reading the entire blog at http://www.billlosey.com/blog/7-retirement-assumptions-reassessed.php

Bill Losey is a nationally known and respected retirement expert, specializing in 401k rollover advice, self-directed IRA rollovers, 401k direct rollovers, and many other investment and retirement strategies. Bill’s company, Bill Losey Retirement Solutions, LLC, is an independent registered investment advisory firm that caters primarily to couples as well as divorced and widowed women nationwide (age 50-80) who demand objective financial and retirement advice; customized, fee-only investment management; attention to detail; and impeccable service.

Other recent blogs written by Bill Losey include “What To Do When a Family Member Dies”, “Saving for Retirement: Don’t be Afraid of Stocks”, and “Preventing Retirement Mistakes: 6 Key Dates To Remember,” among others.

Each issue of Bill Losey’s award-winning free weekly email newsletter, Retirement Intelligence®, reveals how-to-articles, secrets, investment ideas, a “Joke Of The Week”, fitness and diet tips, and promotes upcoming seminar dates to keep subscribers “in-the-know.” Bill and his staff seek to provide informative and entertaining information readers can use to simply and confidently enhance their health, wealth and happiness.

To learn more about Bill Losey Retirement Solutions, please visit http://www.BillLosey.com and http://www.MyRetirementSuccess.com.

About Bill Losey, CFP®, CSA
America’s Retirement Strategist®

Bill Losey, CFP®, caters to women and couples (age 50-80) who seek to reduce post-retirement risk and generate a predictable, sustainable, increasing stream of retirement income they won’t outlive. As a qualified professional in the areas of retirement strategies, personal finance and investment management, Bill has been seen and heard on hundreds of TV and radio stations such as FOX News, NPR, CBS News, CNBC, Business Week, TIME, AARP, U.S. News & World Report, and Oprah & Friends.

Bill has over 20 years experience in the financial services industry and is a Certified Financial Planner™ practitioner and Certified Retirement Coach. He is the owner of Bill Losey Retirement Solutions, LLC, a fee-based registered investment advisory firm serving a small nationwide clientele. Bill is the author of Retire in a Weekend! The Baby Boomer’s Guide to Making Work Optional and he publishes Retirement Intelligence®, a free, weekly, award-winning newsletter that reaches over 5,000 subscribers worldwide. Formerly, Bill was the “resident retirement expert” on CNBC’s “On the Money” television program.

In his leisure time, Billy, as his friends call him, loves to sing. He is an accomplished vocalist and has performed the National Anthem at Madison Square Garden, the Pepsi Arena, and other sporting venues. Currently Bill is the lead singer of a vocal duo called The New York Lounge Lizards. He has been married for nearly 25 years to his wife Tori. Together they have three sons, two dogs, and one fish.

Learn more at www.BillLosey.com or by calling 518-581-1666.

Retirement Expert Bill Losey Offers Helpful Tips To Avoid Retirement Mistakes

admin — Tue, 16 Apr 2013 17:09:53 +0000

Bill Losey, America’s Retirement Strategist® and 401(k) rollover expert, published a new blog discussing six key dates to remember to help avoid retirement mistakes.

Saratoga Springs, NY. – April 16, 2013 – Bill Losey, author and retirement expert and advisor, recently published a blog offering tips on how to prevent retirement mistakes – specifically, six important dates to remember. In this blog, found on his website http://www.BillLosey.com, titled “Preventing Retirement Mistakes: 6 Key Dates To Remember”, Bill explains how a few errors in judgment, or a failure to plan can result in mistakes that cost you valuable retirement dollars.

Bill focuses on six important dates to keep in mind to help make sure you do not get caught in some typical retirement planning mistakes: Bill gives insight into where you should be at these ages: Age 55, 59½, 62, 65, 66-67 and 70½.

About age 55, Bill writes, “People who leave their job for one reason or other can elect to take funds from their 401 (k) without penalty if they are age 55 or older. This ‘separation from service’ clause comes along with a requirement to pay income taxes on the funds, but rolling funds over into another retirement plan is often allowed, keeping the tax man away from the door for a longer period.”

About ages 66-67, Bill explains, “This is the age people can now qualify for full Social Security benefits, called Full Retirement Age (FRA) or Normal Retirement Age (NRA). The precise age depends upon the year in which a person was born. These benefits can come to recipients whether they are still on the job or not. Some people elect to delay filing for these benefits to receive approximately 8% increase each year they wait from their FRA until the age of 70.”

Learn about the other age milestones by reading the entire blog at http://www.billlosey.com/blog/preventing-retirement-mistakes-6-key-dates-to-remember.php

Other recent blogs written by Bill Losey include “What To Do When a Family Member Dies”, “Saving for Retirement: Don’t be Afraid of Stocks”, and “The Latest Info On Social Security,” among others.

To learn more about Bill Losey Retirement Solutions, please visit http://www.BillLosey.com and http://www.MyRetirementSuccess.com.

About Bill Losey, CFP®, CSA
America’s Retirement Strategist®

Learn more at www.BillLosey.com or by calling 518-581-1666.

Retirement Expert Bill Losey Explains Recent Developments Regarding Social Security

admin — Wed, 06 Mar 2013 13:36:36 +0000

Bill Losey, America’s Retirement Strategist® and 401(k) rollover expert, published a new blog discussing recent changes to Social Security Benefits.

Saratoga Springs, NY. – March 6, 2013 – Bill Losey, author and retirement expert and advisor, recently published a blog discussing some of the recent changes to Social Security and how these changes could effect your retirement income planning. In this blog, found on his website http://www.BillLosey.com, titled “The Latest Info On Social Security”, Bill explains how Medicare, the sequester and taxes could affect social security income and offers several solutions that America lawmakers could implement to help fix the problems found within the system.

Bill explores six main points in this blog:

Medicare premiums are eating into COLA
Social Security’s retirement earnings test amounts have also risen
Part of your Social Security benefits may be taxed
The Social Security wage base is 3.3% higher for 2013
How will the sequester cuts affect Social Security?
What about Social Security’s projected long-range shortfall?

On the sequestration question, Bill writes, “There will be no reduction in Social Security, Supplemental Security Income, Veterans Affairs or SNAP benefits under such circumstances. However, the Social Security Administration may suffer budget cuts that result in reduced hours (or closed doors) at its offices and an even longer wait to process disability claims. The sequester cuts will not affect Medicare or Medicaid benefits either, though Medicare payments to doctors face a 2% cut.”

Bill explains some of the problems that lie ahead for the Social Security program: “Social Security projects that it can tap its surplus of roughly $2.7 trillion to pay 100% of scheduled retirement benefits through 2032. Yet in 2010, it began paying out more than it took in, a condition that may last for decades thanks to the aging of the baby boomer demographic. Because of this reality, Social Security’s trustees have forecast a $623 billion deficit for 2033, expanding to $1 trillion by 2045 and almost $7 trillion by 2086.”

How does America fix that? Bill discusses many of the proposed solutions throughout the blog. Learn what these are and more by reading the entire blog at http://www.billlosey.com/blog/the-latest-info-on-social-security.php

Other recent blogs written by Bill Losey include “Is Now The Time To Refinance Your Mortgage?”, “The Right Beneficiary”, and “Common Deductions Taxpayers Overlook,” among others.

To learn more about Bill Losey Retirement Solutions, please visit http://www.BillLosey.com and http://www.MyRetirementSuccess.com.

About Bill Losey, CFP®, CSA
America’s Retirement Strategist®

Learn more at www.BillLosey.com or by calling 518-581-1666.

Retirement Expert Bill Losey Added To Trusted WiserAdvisor Directory

admin — Wed, 06 Feb 2013 16:02:11 +0000

Bill Losey, America’s Retirement Strategist® and 401(k) rollover expert, has been awarded admittance as a member of the WiserAdvisor directory of financial advisors.

Saratoga Springs, NY. – February 6, 2013 – Bill Losey, author and retirement expert and advisor, has recently been awarded admittance to the extremely selective WiserAdvisor financial advisor directory. WiserAdvisor is an online service that connects investors to local financial advisors and financial planners.

Bill Losey was granted admission into WiserAdvisor based on his credentials and qualifications. All members offer their services to investors with a fee rather than solely with commissions, allowing them to assist investors with a variety of different investment options. All members are also properly registered with the SEC, FINRA or other regulatory organizations.

Since 2003, WiserAdvisor has focused on taking much of the guesswork out of finding a qualified financial advisor or financial planner. This is done both through the stringent admittance guidelines, as well as through the information provided to investors about each member advisor. All members must complete an extensive profile outlining their services, qualifications and credentials, including their education background.

Because of the strict standards that a financial professional must meet in order to become a member, WiserAdvisor only admits a select few high-quality financial advisors and financial planners. More than 600,000 professionals can provide insurance and financial advice. Less than 1% have been granted membership into WiserAdvisor.

To learn more about Bill Losey Retirement Solutions, please visit http://www.BillLosey.com and http://www.MyRetirementSuccess.com.

About Bill Losey, CFP®, CSA
America’s Retirement Strategist®

Learn more at www.BillLosey.com or by calling 518-581-1666.

About WiserAdvisor.com

WiserAdvisor is an online service that connects investors to local financial advisors and financial planners. It is an independent and free service provided to investors, allowing them to find local professionals who can help them build their portfolios, plan for retirement, manage their estates, or to help them with other investment issues. More information about WiserAdvisor and its services can be found at http://www.wiseradvisor.com/

Retirement Expert Bill Losey Reveals 10 Bad Money Habits To Break

admin — Mon, 07 Jan 2013 20:10:59 +0000

Bill Losey, America’s Retirement Strategist® and 401(k) rollover expert, published a new article offering ten money habits that should be broken in the new year.

Saratoga Springs, NY. – January 7, 2013 – Bill Losey, author and retirement expert and advisor, recently wrote an article detailing ten harmful money habits. In this article, found on his website http://www.BillLosey.com, titled “10 Bad Money Habits to Break in 2013″, Bill explains how these ten habits can hinder your retirement plans, and why you should try to break them as we head into 2013.

Bill writes, “Do bad money habits constrain your financial progress? Many people fall into the same financial behavior patterns year after year. If you sometimes succumb to these financial tendencies, the New Year is as good an occasion as any to alter your behavior.”

Five of the ten habits that Bill warns about include:

Lending money to family and friends
Spending more than you make
Saving little or nothing
Living without a budget
Frivolous spending

On “spending more than you make,” Bill writes, “ Living beyond your means, living on margin, whatever you wish to call it, it is a path toward significant debt. Wealth is seldom made by buying possessions. Today’s flashy material items may become the garage sale junk of 2025.”

On “frivolous spending,” Bill warns, “Advertisers can make us feel as if we have sudden needs; needs we must respond to, needs that can only be met via the purchase of a product. See their ploys for what they are. Think twice before spending impulsively.”

To read the entire blog and learn about the other five damaging habits, please visit http://www.billlosey.com/articles/10-bad-money-habits-to-break-in-2013.php

Bill Losey is a nationally known and respected retirement expert, specializing in 401k rollover advice, self-directed IRA rollovers, 401k direct rollovers, and many other investment and retirement strategies. Bill’s company, Bill Losey Retirement Solutions, LLC, is an independent registered investment advisory firm that caters primarily to couples as well as divorced and widowed women nationwide (age 50-70) who demand objective financial and retirement advice; customized, fee-only investment management; attention to detail; and impeccable service.

Other recent blogs written by Bill Losey include “Big Spenders vs. Big Savers”, “Ways To Increase Your Social Security Income”, and “5 Ways To Make Your Retirement Savings Last,” among others.

To learn more about Bill Losey Retirement Solutions, please visit http://www.BillLosey.com and http://www.MyRetirementSuccess.com.

About Bill Losey, CFP®, CSA
America’s Retirement Strategist®

Bill Losey, CFP®, caters to women and couples (age 50-70) who seek to reduce post-retirement risk and generate a predictable, sustainable, increasing stream of retirement income they won’t outlive. As a qualified professional in the areas of retirement strategies, personal finance and investment management, Bill has been seen and heard on hundreds of TV and radio stations such as FOX News, NPR, CBS News, CNBC, Business Week, TIME, AARP, U.S. News & World Report, and Oprah & Friends.

Learn more at www.BillLosey.com or by calling 518-581-1666.

Retirement Expert Bill Losey Offers Some Ways To Save For Retirement

admin — Tue, 04 Dec 2012 19:05:13 +0000

Bill Losey, America’s Retirement Strategist® and 401(k) rollover expert, published a new blog discussing eight ways to save for retirement that you may have overlooked.

Saratoga Springs, NY. – December 4, 2012 –Bill Losey, author and retirement expert and advisor, recently wrote a blog detailing eight helpful tips to retirement saving. In this blog, found on his website http://www.BillLosey.com, titled “8 Overlooked Ways To Save Money For Retirement”, Bill explains how you can take advantage of these methods to help you save the most money possible for retirement.

Bill writes, “Besides periodic IRA contributions and elective salary deferrals into 401(k) and 403(b) plans, there are other ways to amass retirement savings, some of them often overlooked.”

The eight overlooked saving options that Bill writes about are as follows:

Put tax refunds & tax savings to work
Relocation
Rental income
Redirecting some of your inheritance
Sell products or services, not simply your time
Stay healthy
Halt or modify some recurring discretionary expenses
Refrain from picking up your child’s college costs

On “relocation,” Bill writes, “Ever thought about living where lifestyle costs are less? Moving to a cheaper part of the country might cost you a few thousand dollars, but the long-run savings could end up dwarfing that expense; you could free up thousands of dollars annually toward your retirement savings effort.”

On “redirecting some of your inheritance,” Bill explains, “If you receive any kind of wealth, think about assigning part of it to your retirement strategy. In fact, this is a good idea for any kind of sudden wealth you come into, whether it comes from a relative, a settlement, a casino, or simply your own talent and initiative.”

To read the entire blog, please visit http://www.billlosey.com/blog/8-overlooked-ways-to-save-money-for-retirement.php

Bill Losey is a nationally known and respected retirement expert, specializing in 401k rollover advice, self-directed IRA rollovers, 401k direct rollovers, and many other investment and retirement strategies. Bill’s company, Bill Losey Retirement Solutions, LLC, is an independent registered investment advisory firm that caters primarily to couples as well as divorced and widowed women nationwide (age 50-70) who demand objective financial and retirement advice; customized, fee-only investment management; attention to detail; and impeccable service.

Other recent blogs written by Bill Losey include “5 Possible Fiscal Cliff Scenarios”, “Medicare Open Enrollment for 2013″, and “Smart Financial Moves for Late 2012/Early 2013,” among others.

To learn more about Bill Losey Retirement Solutions, please visit http://www.BillLosey.com and http://www.MyRetirementSuccess.com.

About Bill Losey, CFP®, CSA
America’s Retirement Strategist®

Learn more at www.BillLosey.com or by calling 518-581-1666.

Retirement Expert Bill Losey Warns of “Fiscal Cliff” Scenarios

admin — Wed, 07 Nov 2012 16:23:17 +0000

Bill Losey, America’s Retirement Strategist® and 401(k) rollover expert, published a new blog discussing five different scenarios where 2013 could be financially worse than expected.

Saratoga Springs, NY. – November 7, 2012 – “Whatever happens in Washington in 2013, this is a prime time to consider financial moves with the potential to lower your taxes and insulate your wealth.” This statement, from Bill Losey, author and retirement expert and advisor, is the conclusion of a recent blog discussing some of the scenarios where America could reach her “Fiscal Cliff.” In this blog, found on his website http://www.BillLosey.com, titled “5 Possible Fiscal Cliff Scenarios”, Bill explores the question, “Will 2013 be as severe as some economists think?”

Bill writes, “The fiscal cliff is getting closer and closer. How will Congress respond? In the worst-case scenario, Congress argues and deadlocks. Tax hikes and roughly $109 billion in federal spending cuts take a bite out of GDP and another recession becomes a possibility.

There are other possibilities, however. The fiscal cliff may yet be averted, or at least we might back away from its edge.”

Bill Losey describes five different scenarios that could come to pass in 2013:

Scenario A: Congress buys time
Scenario B: Congress can’t make a deal
Scenario C: Middle ground is reached
Scenario D: The “Grand Bargain.”
Scenario E: The “Down Payment.”

To read the entire blog, please visit http://www.billlosey.com/blog/5-possible-fiscal-cliff-scenarios.php

Bill Losey is a nationally known and respected retirement expert, specializing in 401k rollover advice, self-directed IRA rollovers, 401k direct rollovers, and many other investment and retirement strategies. Bill’s company, Bill Losey Retirement Solutions, LLC, is an independent registered investment advisory firm that caters primarily to couples as well as divorced and widowed women nationwide (age 50-70) who demand objective financial and retirement advice; customized, fee-only investment management; attention to detail; and impeccable service.

Other recent blogs written by Bill Losey include “Should You Reduce Risk Exposure As You Get Older?”, “Medicare Open Enrollment for 2013″, and “Smart Financial Moves for Late 2012/Early 2013,” among others.

To learn more about Bill Losey Retirement Solutions, please visit http://www.BillLosey.com and http://www.MyRetirementSuccess.com.

About Bill Losey, CFP®, CSA
America’s Retirement Strategist®

Learn more at www.BillLosey.com or by calling 518-581-1666.

Retirement Expert Bill Losey Discusses Stock Market Behavior During Presidential Elections

admin — Thu, 04 Oct 2012 18:20:27 +0000

Bill Losey, America’s Retirement Strategist® and 401(k) rollover expert, publishes a new article discusses some interesting findings from stock market historians about the performance of the stock market during presidential elections years.

Saratoga Springs, NY. – October 4, 2012 – Presidential election years often provide intriguing stock market analysis. Bill Losey, author and retirement expert and advisor, recently wrote an article discussing some of the stock market trends in recent presidential election cycles. In this article, found on his website http://www.BillLosey.com, titled “Stock Market Behavior In Presidential Election Years”, Bill notes some interesting patterns through the years which may or may not prove true for 2012.

“How much weight does history ultimately hold? Perhaps not much. It is intriguing, and some analysts would instruct you to pay more attention to it rather than less. Historical “norms” are easily upended, however,” writes Losey. “Take 2008, the election year that brought us a bear market disaster. The year 2000 also brought an S&P 500 loss. While a presidential election undoubtedly affects Wall Street every four years, it is just one of many factors in determining a year’s market performance.”

Some of topics that Bill Losey discusses include:

The Dow hasn’t done that well when the presidency has changed hands
Overall, election years have been good for the blue chips
Do stocks respond if a particular party has control of Congress?
Could the Dow actually help determine who wins the White House?
Bulls have run in many fourth quarters of election years.

To read the entire article, please visit http://www.billlosey.com/articles/stock-market-behavior-in-presidential-election-years.php

Bill Losey is a nationally known and respected retirement expert, specializing in 401k rollover advice, self-directed IRA rollovers, 401k direct rollovers, and many other investment and retirement strategies. Bill’s company, Bill Losey Retirement Solutions, LLC, is an independent registered investment advisory firm that caters primarily to couples as well as divorced and widowed women nationwide (age 50-70) who demand objective financial and retirement advice; customized, fee-only investment management; attention to detail; and impeccable service.

Other recent articles written by Bill Losey include “9 Major Retirement Planning Mistakes To Avoid”, “6 Financial Questions for the Retiring Homeowner”, and “When Will Interest Rates Rise?,” among others.

To learn more about Bill Losey Retirement Solutions, please visit http://www.BillLosey.com and http://www.MyRetirementSuccess.com.

About Bill Losey, CFP®, CSA
America’s Retirement Strategist®

Learn more at www.BillLosey.com or by calling 518-581-1666.

Retirement Expert Bill Losey Reveals Nine Common Retirement Planning Mistakes

admin — Mon, 10 Sep 2012 21:23:47 +0000

Bill Losey, America’s Retirement Strategist® and 401(k) rollover expert, publishes a new article explaining some of the major retirement planning mistakes that need to be avoided.

Saratoga Springs, NY. – September 10, 2012 – Sound retirement planning is one of the most important steps towards a fulfilling retirement. Bill Losey, author and retirement expert and advisor, recently wrote an article laying out some of the major mistakes that need to be avoided to get the most out of your retirement plan. In this article, found on his website http://www.BillLosey.com, titled “9 Major Retirement Planning Mistakes To Avoid”, Bill explains these mistakes and how they can cause some major setbacks with your retirement strategy.

“Much has been written about the classic financial mistakes that plague start-ups, family businesses, corporations and charities. Aside from these blunders, there are also some classic financial missteps that plague retirees,” writes Losey. “Calling them ‘mistakes’ may be a bit harsh, as not all of them represent errors in judgment. Yet whether they result from ignorance or fate, we need to be aware of them as we plan for and enter retirement.”

Some of mistakes that Bill Losey discusses include leaving work too early, underestimating medical expenses, withdrawing too much each year, and retiring with no plan or investment strategy, among others.

On retiring with no strategy, Bill remarks, “Many people do this – too many. An unplanned retirement may bring terrible financial surprises; retiring without an investment strategy leaves some people prone to market timing and day trading.”

To read the entire article, please visit http://www.billlosey.com/articles/9-major-retirement-planning-mistakes-to-avoid.php

Bill Losey is a nationally known and respected retirement expert, specializing in 401k rollover advice, self-directed IRA rollovers, 401k direct rollovers, and many other investment and retirement strategies. Bill’s company, Bill Losey Retirement Solutions, LLC, is an independent registered investment advisory firm that caters primarily to couples as well as divorced and widowed women nationwide (age 50-70) who demand objective financial and retirement advice; customized, fee-only investment management; attention to detail; and impeccable service.

Other recent articles written by Bill Losey include “Audit Flags”, “When Will Interest Rates Rise?”, and “How Much Money Should I Save In Order To Be Able To Retire?,” among others.

To learn more about Bill Losey Retirement Solutions, please visit http://www.BillLosey.com and http://www.MyRetirementSuccess.com.

About Bill Losey, CFP®, CSA
America’s Retirement Strategist®

Learn more at www.BillLosey.com or by calling 518-581-1666.

Retirement Expert Bill Losey Addresses Challenges Faced By Those Facing Retirement Alone

admin — Wed, 08 Aug 2012 17:03:35 +0000

Bill Losey, America’s Retirement Strategist® and 401(k) rollover expert, publishes a new blog discussing some of the challenges faced by those who retire without a spouse.

Saratoga Springs, NY. – August 8, 2012 – “Retiring along presents unique challenges,” writes Bill Losey, author and retirement expert and advisor. Bill recently wrote a blog discussing a sometimes overlooked group of retirees – those facing retirement “solo.” The blog, found on his website http://www.BillLosey.com, is titled “Retiring Solo”.

“Singles who retire may lack a spousal and familial support network other retirees count on. If a lone retiree faces sizable medical bills, he or she can’t draw on the financial resources of a spouse,” writes Losey.

Bill covers several ways that those who are retiring “solo” should prepare differently than those who will retire as a couple. Some of these topics include, “the need to save early and consistently,” “the possibility of building wealth through real estate,” “the possible need for long-term coverage” and “the value of a social circle,” among others.

On the value of a social circle, Bill writes, “’Family’ has many different definitions today – and increasingly, single retirees are creating family-like bonds by moving in with one another, and saving household expenses as well. This can be good for the soul, and some solo retirees with few or no living relatives go so far as to assign power of attorney to a close friend in case of emergency.”

To read the entire blog, please visit http://www.billlosey.com/blog/retiring-solo.php

Bill Losey is a nationally known and respected retirement expert, specializing in 401k rollover advice, self-directed IRA rollovers, 401k direct rollovers, and many other investment and retirement strategies. Bill’s company, Bill Losey Retirement Solutions, LLC, is an independent registered investment advisory firm that caters primarily to couples as well as divorced and widowed women nationwide (age 50-70) who demand objective financial and retirement advice; customized, fee-only investment management; attention to detail; and impeccable service.

Other recent blogs written by Bill Losey include “Avoiding Identity Theft”, “Estate Tax Laws – What Has Happened Since 2010 & What Could Happen in 2013″, and “5 Things To Keep In Mind For Life After Work,” among others.

To learn more about Bill Losey Retirement Solutions, please visit http://www.BillLosey.com and http://www.MyRetirementSuccess.com.

About Bill Losey, CFP®, CSA
America’s Retirement Strategist®

Bill has over 20 years experience in the financial services industry and is a Certified Financial Planner™ practitioner, a Certified Senior Advisor and Certified Retirement Coach. He is the owner of Bill Losey Retirement Solutions, LLC, a fee-based registered investment advisory firm serving a small nationwide clientele. Bill is the author of Retire in a Weekend! The Baby Boomer’s Guide to Making Work Optional and he publishes Retirement Intelligence®, a free, weekly, award-winning newsletter that reaches over 5,000 subscribers worldwide. Formerly, Bill was the “resident retirement expert” on CNBC’s “On the Money” television program.

Learn more at www.BillLosey.com or by calling 518-581-1666.

Retirement Expert Bill Losey Gives Helpful Tips For Life After Work

admin — Mon, 16 Jul 2012 20:31:00 +0000

Bill Losey, America’s Retirement Strategist® and 401(k) rollover expert, publishes a new blog offering 5 helpful retirement tips.

Saratoga Springs, NY. – July 16, 2012 – Sometimes during retirement planning, some of the “little things” can get overlooked. Bill Losey, author and retirement expert and advisor, recently wrote a blog discussing 5 ways to avoid this. The blog, found on his website http://www.BillLosey.com, is titled “5 Things To Keep In Mind For Life After Work.”

On how you can save during retirement, Bill Losey writes, “We all save for retirement; with our increasing longevity, we will also need to save in retirement for the (presumed) decades ahead. That means more than budgeting; it means investing with growth and tax efficiency in mind year after year.”

The five topics covered in Bill’s latest blog include:

How will you save in retirement?
Could your cash flow be more important than your savings?
What will you begin doing in retirement?
Will your spouse want to live the way that you live?
When should you (and your spouse) claim Social Security benefits?

On the topic of what you will be doing during retirement, Bill explains, “A goal-oriented retirement has its virtues. Purpose leads to objectives, objectives lead to plans, and plans can impart some structure and order to your days and weeks – and that can help cure retirement listlessness.”

To read the entire blog, please visit http://www.billlosey.com/blog/5-things-to-keep-in-mind-for-life-after-work.php

Bill Losey is a nationally known and respected retirement expert, specializing in 401k rollover advice, self-directed IRA rollovers, 401k direct rollovers, and many other investment and retirement strategies. Bill’s company, Bill Losey Retirement Solutions, LLC, is an independent registered investment advisory firm that caters primarily to couples as well as divorced and widowed women nationwide (age 50-70) who demand objective financial and retirement advice; customized, fee-only investment management; attention to detail; and impeccable service.

Other recent blogs written by Bill Losey include “If Interest Rates Rise, What Happens to Bonds?”, “Health Insurance – What Happens In The Wake Of The Supreme Court’s Decision Today?”, and “What Happens Here if Greece Exits the Euro?,” among others.

To learn more about Bill Losey Retirement Solutions, please visit http://www.BillLosey.com and http://www.MyRetirementSuccess.com.

About Bill Losey, CFP®, CSA
America’s Retirement Strategist®

Learn more at www.BillLosey.com or by calling 518-581-1666.

Retirement Expert Bill Losey Discusses Parents, Alzheimer’s and Money

admin — Wed, 13 Jun 2012 13:33:39 +0000

Bill Losey, America’s Retirement Strategist® and 401(k) rollover expert, publishes a new article discussing how to financially protect parents with Alzheimer’s.

Saratoga Springs, NY. – June 13, 2012 – Deciding to take the financial reigns of an aging parent can be a difficult decision. Bill Losey, author and retirement expert and advisor, recently wrote an article offering steps one can take to make the process easier. With this article, found on his website http://www.BillLosey.com, titled “Parents, Alzheimer’s & Money”, Bill explains two phases that one must complete.

“What are your options when it comes to helping a parent out with money management? Informally, you can “lend a helping hand” and check in with mom and dad to make sure that bills and premiums are paid, and deadlines are met. But if you elect to formally take the financial reins, you are looking at a two-phase process,” writes Losey.

These two phases include getting a power of attorney and becoming your parent’s conservator. In the article, Bill also explains the difference between conservatorships and guardianships, and the importance of keeping your parents away from unprincipled people. “Keep your parents away from unprincipled people. These steps may prove essential, yet they will not shield your family from scam artists. Be on the lookout for new friends and acquaintances. If your instincts tell you something is wrong, investigate,” Losey remarks.

To read the entire article, please visit http://www.billlosey.com/articles/parents-alzheimers-money.php

Bill Losey is a nationally known and respected retirement expert, specializing in 401k rollover advice, self-directed IRA rollovers, 401k direct rollovers, and many other investment and retirement strategies. Bill’s company, Bill Losey Retirement Solutions, LLC, is an independent registered investment advisory firm that caters primarily to couples as well as divorced and widowed women nationwide (age 50-70) who demand objective financial and retirement advice; customized, fee-only investment management; attention to detail; and impeccable service.

Other recent articles written by Bill Losey include “Audit Flags”, “What to Do Financially When A Spouse Dies”, and “8 IRA Dates & Deadlines To Remember,” among others.

To learn more about Bill Losey Retirement Solutions, please visit http://www.BillLosey.com and http://www.MyRetirementSuccess.com.

About Bill Losey, CFP®, CSA
America’s Retirement Strategist®

Learn more at www.BillLosey.com or by calling 518-581-1666.

Retirement Advisor Bill Losey To Attend The Money Show in Las Vegas

admin — Tue, 08 May 2012 21:46:58 +0000

Bill Losey, America’s Retirement Strategist®, will be heading to Las Vegas to take part in the annual Money Show conference.

Saratoga Springs, NY. – May 8, 2012 – Bill Losey, author and retirement expert and advisor, will be attending The Money Show in Las Vegas, Nevada from May 14-19, 2012 featuring Steve Forbes, Andrew Busch, Jim Jubak, Brien Lundin and others. Bill continually attends events such as these as a means of enhancing his skills and furthering his education in the financial industry to offer the most current and helpful advice for his clientele.

At The Money Show, Bill will meet face to face with top investment and trading experts, acquire a global market perspective, network with and hear new ideas from other fellow investors, attend keynote speeches, interactive workshops, live trading demos, and spirited panel discussions, and discover and compare investment products and services in the exhibit hall.

Guided by the belief that “knowledge is power” and recognizing the desire of independent minds to rely on self rather than institution, MoneyShow has been empowering individuals with a passion for investing for three decades. The company pioneered the investment tradeshow field in the early 80s, creating the concept of a “MoneyShow” and developing a business model which gathers qualified investors, traders, and financial advisors together with top financial experts, business, and media professionals, offering all participants unparalleled opportunities for profitable interactivity, idea exchange, relationship-building, and learning.

Bill Losey is a nationally known and respected retirement expert, specializing in 401k rollover advice, self-directed IRA rollovers, 401k direct rollovers, and many other investment and retirement strategies. Bill’s company, Bill Losey Retirement Solutions, LLC, is an independent registered investment advisory firm that caters primarily to couples as well as divorced and widowed women nationwide (age 50-70) who demand objective financial and retirement advice; customized, fee-only investment management; attention to detail; and impeccable service.

To learn more about Bill Losey Retirement Solutions, please visit http://www.BillLosey.com and http://www.MyRetirementSuccess.com.

About Bill Losey, CFP®, CSA
America’s Retirement Strategist®

Bill has over 20 years experience in the financial services industry and is a Certified Financial Planner™ practitioner, a Certified Senior Advisor and Certified Retirement Coach. He is the owner of Bill Losey Retirement Solutions, LLC, a fee-based registered investment advisory firm serving a small nationwide clientele. Bill is the author of Retire in a Weekend! The Baby Boomer’s Guide to Making Work Optional and he publishes Retirement, a free, weekly, award-winning newsletter that reaches over 5,000 subscribers worldwide. Formerly, Bill was the “resident retirement expert” on CNBC’s “On the Money” television program.

Learn more at www.BillLosey.com or by calling 518-581-1666.

Retirement Expert Bill Losey Offers 15 Prudent Ways To Spend Your Tax Refund

admin — Tue, 10 Apr 2012 20:39:58 +0000

Bill Losey, America’s Retirement Strategist® and 401(k) rollover expert, publishes a new blog discussing some smart ways to spend your tax refund this year.

Saratoga Springs, NY. – March 8, 2012 – With the impending April 17^th deadline approaching for filing taxes, many Americans are already thinking of ways to spend their tax refunds. Bill Losey, author and retirement expert and advisor, recently wrote a blog offering several ideas for spending your tax refund wisely. With this blog, found on his website http://www.BillLosey.com, titled “15 Ways to Spend Your Tax Refund”, Bill gives 15 such examples.

“In the past two years, federal tax refunds have averaged about $3,000. That’s a nice chunk of change – and it could be used to bring some positive change to your financial life and the lives of others,” writes Losey.

Some of the fifteen ways to spend your tax refund include paying down your debt, starting an emergency fund, contributing to your IRA, improve your home with energy-saving appliances, writing a proper will and establish a financial strategy, among others.

To read the entire blog, please visit http://www.billlosey.com/blog/15-ways-to-spend-your-tax-refund.php

Bill Losey is a nationally known and respected retirement expert, specializing in 401k rollover advice, self-directed IRA rollovers, 401k direct rollovers, and many other investment and retirement strategies. Bill’s company, Bill Losey Retirement Solutions, LLC, is an independent registered investment advisory firm that caters primarily to couples as well as divorced and widowed women nationwide (age 50-70) who demand objective financial and retirement advice; customized, fee-only investment management; attention to detail; and impeccable service.

Other recent blogs written by Bill Losey include “Could Gas Prices Harm the Economy?”, “How Much Retirement Income Will You REALLY Need?”, and “The Facebook Frenzy Is Building. Should You Care?,” among others.

Retirement Intelligence® is a $497 value, but is available for free on Bill’s website http://www.MyRetirementSuccess.com

To learn more about Bill Losey Retirement Solutions, please visit http://www.BillLosey.com and http://www.MyRetirementSuccess.com.

About Bill Losey, CFP®, CSA
America’s Retirement Strategist®

Learn more at www.BillLosey.com or by calling 518-581-1666.

Retirement Expert Bill Losey Discusses Calculating How Much Retirement Income You Need

admin — Thu, 08 Mar 2012 21:50:17 +0000

Bill Losey, America’s Retirement Strategist® and 401(k) rollover expert, publishes a new blog on the process of determining how much retirement income one needs to retire comfortably.

Saratoga Springs, NY. – March 8, 2012 – Bill Losey, author and retirement expert and advisor, recently wrote a blog urging readers to carefully plan how much retirement income they will need match their lifestyle needs and goals. With this blog, found on his website http://www.BillLosey.com, titled “How Much Retirement Income Will You REALLY Need?” Bill touches on five important factors that can affect retirement income needs, including health, heredity, portfolio, spending habits and social security.

On spending habits Bill writes, “Do you only spend 70% of your salary? Probably not. If you’re like many Americans, you may spend as much as 90% or 95% of it. Will your spending habits change drastically once you retire? Again, probably not. Most people only change spending habits in response to economic necessity or in pursuit of new financial goals. People don’t want to ‘live on less’ once they have had ‘more’.”

On the subject of social security Bill remarks, “Will Social Security even exist by the time you’ve retired? A study from the Government Accounting Office brings this into sharp focus, stating that the long-lived program may start to run out of money by 2036 and may be broke by the end of that decade. Furthermore, the GAO suggests a 20% cut in benefits, due to increased longevity and lower employment. Even if SSI is still a going concern in 2040, it may be very slim pickings.”

To read the entire blog, please visit http://www.billlosey.com/blog/how-much-retirement-income-will-you-really-need-2.php

Bill Losey launched his business seven years ago with one goal in mind – to offer advice and solutions to those planning for retirement. This latest article is one of many helpful articles that Bill writes frequently to make planning for retirement seem less daunting and more achievable.

He is a nationally known and respected retirement expert, specializing in 401k rollover advice, self-directed IRA rollovers, 401k direct rollovers, and many other investment and retirement strategies. Bill’s company, Bill Losey Retirement Solutions, LLC, is an independent registered investment advisory firm that caters primarily to couples as well as divorced and widowed women nationwide (age 50-70) who demand objective financial and retirement advice; customized, fee-only investment management; attention to detail; and impeccable service.

Other recent blogs written by Bill Losey include “The Facebook Frenzy Is Building. Should You Care?”, “Are People REALLY Retiring Later?”, and “Is Now The Time To Refinance Your Mortgage?,” among others.

Retirement Intelligence® is a $497 value, but is available for free on Bill’s website http://www.MyRetirementSuccess.com

To learn more about Bill Losey Retirement Solutions, please visit http://www.BillLosey.com and http://www.MyRetirementSuccess.com.

About Bill Losey, CFP®, CSA
America’s Retirement Strategist®

Learn more at www.BillLosey.com or by calling 518-581-1666.

Retirement Advisor Bill Losey To Attend Options Trading Class in New York City

admin — Tue, 07 Feb 2012 02:52:25 +0000

Bill Losey, America’s Retirement Strategist®, will once again be taking part in the online trading academy in New York City to help better serve his clients.

Saratoga Springs, NY. – February 6, 2012 – Bill Losey, author and retirement expert and advisor, will once again be attending an advanced training course on Options Trading through Online Trading Academy this month from February 27, 2012 – March 2^nd, 2012. Over the last few months, Bill Losey has completed advanced training courses through the Online Trading Academy focusing on Futures Trading and Equities/Stock Trading.

Bill explains that this Options Trading course, much like the previous courses, will help serve his clients as he studies more about identifying investment opportunities, limiting loss, reducing risk, identifying entry/exit points and managing risk to help take emotion our of the decision-making process.

Online Trading Academy is the world leader in professional education for traders who want to succeed in any market, and any asset class. Their roots can be traced back to 1997, as one of the largest trading floors in the U.S., with 180 traders averaging half a billion dollars in daily transactions. To improve results, managers and the top traders offered daily coaching sessions in how to trade more consistently and profitably. In 2001, they shifted their focus to solely providing education. Today they have a community of over 24,000 students that have learned to trade with the skill and confidence of professional traders.

Bill Losey is a nationally known and respected retirement expert, specializing in 401k rollover advice, self-directed IRA rollovers, 401k direct rollovers, and many other investment and retirement strategies. Bill’s company, Bill Losey Retirement Solutions, LLC, is an independent registered investment advisory firm that caters primarily to couples as well as divorced and widowed women nationwide (age 50-70) who demand objective financial and retirement advice; customized, fee-only investment management; attention to detail; and impeccable service.

Mr. Losey also offers a “Second Opinion” program to provide an unbiased second opinion on your family’s finances, whether it includes a 401(k), 403(b), IRA or other investments. Bill is featuring a short video overview about this new program at http://www.BillLosey.com/SecondOpinion. There is no cost and no obligation to receive your financial second opinion.

To learn more about Bill Losey Retirement Solutions, please visit http://www.BillLosey.com and http://www.MyRetirementSuccess.com.

About Bill Losey, CFP®, CSA
America’s Retirement Strategist®

Bill has over 20 years experience in the financial services industry and is a Certified Financial Planner™ practitioner, a Certified Senior Advisor and Certified Retirement Coach. He is the owner of Bill Losey Retirement Solutions, LLC, a fee-based registered investment advisory firm serving a small nationwide clientele. Bill is the author of Retire in a Weekend! The Baby Boomer’s Guide to Making Work Optional and he publishes Retirement, a free, weekly, award-winning newsletter that reaches over 5,000 subscribers worldwide. Formerly, Bill was the “resident retirement expert” on CNBC’s “On the Money” television program.

Learn more at www.BillLosey.com or by calling 518-581-1666.

Retirement Expert Bill Losey Writes About The Importance of Budgeting For Retirement

admin — Fri, 06 Jan 2012 16:17:35 +0000

Bill Losey, America’s Retirement Strategist® and 401(k) rollover expert, publishes a new article stressing the importance for retirees to develop a budget.

Saratoga Springs, NY. – January 6, 2012 – Bill Losey, author and retirement expert and advisor, recently wrote an article urging readers to consider developing a budget for retirement. With this article, found on his website http://www.BillLosey.com, titled “Budgeting For Retirement – It Makes Sense Yet Many Retirees Live Without One” Bill explains the importance of planning your retirement budget before retirement. Bill also touches on some factors that can cause retirees to stray from their budget, and how they can try to avoid such a circumstance.

“You wont be able to withdraw an unlimited amount of money in retirement. So a retirement budget is a necessity. Some retirees forego one, only to regret it later,” writes Bill. “Often people need about 70-80% of their end salaries in retirement, but this can vary. So years before you leave work, sit down for an hour or so (perhaps with the financial professional you know and trust) and take a look at your probable monthly expenses. Online calculators can help.”

On the subject of “budget wreckers,” Bill writes, “There are a few factors that can cause you to stray from a retirement budget. You can’t do much about some of them (sudden health crises, for example), but you can try to mitigate others.” Some of these include supporting your kids, grandkids or relatives with gifts or loans; withdrawing more than your portfolio can easily return; and dragging big debts into retirement that will nibble at your savings.

To read the entire article, please visit http://www.billlosey.com/articles/budgeting-for-retirement-it-makes-sense-yet-many-retirees-live-without-one.php

Other recent articles written by Bill Losey include “In This Volatile Market, Perspective Is Valuable”, “Uncertainty Over Italy – The EU May Forego A Bailout”, “Changes in IRA & 401(k)s for 2012″ and “U.S. Stock Indexes Held Their Own in 2011 Despite The Geo-Political Turmoil,” among others.

Bill is a nationally known and respected retirement expert, specializing in 401k rollover advice, self-directed IRA rollovers, 401k direct rollovers, and many other investment and retirement strategies. Bill’s company, Bill Losey Retirement Solutions, LLC, is an independent registered investment advisory firm that caters primarily to couples as well as divorced and widowed women nationwide (age 50-70) who demand objective financial and retirement advice; customized, fee-only investment management; attention to detail; and impeccable service.

Retirement Intelligence® is a $497 value, but is available for free on Bill’s website http://www.MyRetirementSuccess.com

To learn more about Bill Losey Retirement Solutions, please visit http://www.BillLosey.com and http://www.MyRetirementSuccess.com.

About Bill Losey, CFP®, CSA
America’s Retirement Strategist®

Bill has over 20 years experience in the financial services industry and is a Certified Financial Planner™ practitioner, a Certified Senior Advisor and Certified Retirement Coach. He is the owner of Bill Losey Retirement Solutions, LLC, a fee-based registered investment advisory firm serving a small nationwide clientele. Bill is the author of Retire in a Weekend! The Baby Boomer’s Guide to Making Work Optional and he publishesRetirement Intelligence®, a free, weekly, award-winning newsletter that reaches over 5,000 subscribers worldwide. Formerly, Bill was the “resident retirement expert” on CNBC’s “On the Money” television program.

Learn more at www.BillLosey.com or by calling 518-581-1666.

Retirement Expert Bill Losey Urges Perspective When Evaluating Markets in 2011

admin — Fri, 09 Dec 2011 18:08:14 +0000

Bill Losey, America’s Retirement Strategist® and 401(k) rollover expert, publishes a new article discussing how Wall Street’s performance in 2011 will be remembered.

Saratoga Springs, NY. – December 9, 2011 – Bill Losey, author and retirement expert and advisor, recently wrote an article offering his perspective on the 2011 markets and their performance for the year. With this article, found on his website http://www.BillLosey.com, titled “In This Volatile Market, Perspective Is Valuable” Bill explains the importance of having the right perspective when evaluating your investments and the market in general.

“If your pessimism increased this year, you aren’t alone. This is a very challenging environment, even for fund managers. A recent Wall Street Journal piece referenced that some traders are reluctant to make a decisive move for fear of triggering a big price swing on a particular stock. Liquidity has also been reduced in this market,” writes Bill. “While this sounds gloomy, a little perspective is helpful. When it comes to stocks, it is really about the long term.”

Bill Losey launched his business six years ago with one goal in mind – to offer advice and solutions to those planning for retirement. This latest article is one of many helpful articles that Bill writes frequently to make planning for retirement seem less daunting and more achievable.

“Instead of fleeing the market when stocks hit headwinds, the seasoned advisor takes a moment to consult his or her financial professional of choice and adjusts the sails in response while still investing consistently with quality as a key criterion. That approach may help you ride through this year and next and give you a chance to outperform the emotionally-driven investor in the long term,” concludes Mr. Losey.

To read the entire article, please visit http://www.billlosey.com/articles/in-this-volatile-market-perspective-is-valuable.php

Other recent articles written by Bill Losey include “Medicare Open Enrollment Ends December 7th!”, “Uncertainty Over Italy – The EU May Forego A Bailout”, “Changes in IRA & 401(k)s for 2012″ and “The Latest on Social Security,” among others.

Retirement Intelligence® is a $497 value, but is available for free on Bill’s website http://www.MyRetirementSuccess.com

To learn more about Bill Losey Retirement Solutions, please visit http://www.BillLosey.com and http://www.MyRetirementSuccess.com.

About Bill Losey:

Bill Losey, CFP®, CSA, America’s Retirement Strategist®, is a highly sought-after advisor, retirement authority, thought-leader, author and TV personality because he makes the complicated and mundane topics of investing and retirement fun!

Bill has over 20 years experience in the financial services industry and is a Certified Financial Planner™ practitioner, a Certified Senior Advisor and Certified Retirement Coach. He is the author of Retire in a Weekend! The Baby Boomer’s Guide to Making Work Optional (a 2008 Finalist at The Indie Excellence Book Awards), Founder of National Retirement Planning Month, and he publishes Retirement Intelligence®, an award-winning weekly newsletter that reaches thousands of subscribers worldwide.

As a qualified professional in the areas of retirement strategies, personal finance and investing, Bill has been seen and heard on the FOX Business Network, CNBC, ABC News Now, CNN Radio, the CBS Evening News, Oprah & Friends, Martha Stewart Living Radio, Montel William’s “Montel Across America”, CBS6-TV, CW11 Morning News, Retirement Living TV, Leading Experts TV, the CBS Radio Network, TIME, AARP Magazine, BankRate.com, CNNMoney.com, Forbes, Aol.com, SmartMoney.com, Morningstar.com, the Wall Street Journal Online, U.S. News & World Report, BusinessWeek.com, Kiplinger’s Personal Finance, AARP Bulletin, CNNfn, FOX’s “Hannity & Colmes”, Wall Street Journal Blogs, Yahoo! Finance, MainStreet.com, Bloomberg Business Radio, CNN.com, FOX News Radio, The Motley Fool, KABC Radio, Federal News Radio, the Armed Forces Radio Network, Wall Street Journal Sunday, Credit.com and hundreds of radio stations nationwide. Bill formerly was the resident retirement expert on CNBC’s “On The Money”; wrote a monthly column called “Dollars & Sense” for Life @ Home magazine; wrote a weekly column called “Making Work Optional” for The Saratogian; was a financial commentator for RNN-TV; and was the guest host of “Money Matters”, a daily personal finance radio program simulcast throughout NY, NJ and CT.   In addition to his frequent TV and radio appearances, Bill is a freelance contributor to the AARP, and is the Retirement Success Expert for Boomj.com, a baby-boomer social networking website, and the Guide to Retirement & Retirement Planning at SelfGrowth.com. He has also appeared in New York Daily News, Financial Planning, Investor’s Business Daily, Boston Herald, Personal Excellence, Investment News, The Chicago Tribune, Cents, Oprah.com, The Daily Herald, Inside Information, The Atlanta Journal Constitution, the Journal of Financial Planning, Bottomline Wealth, Hudson Valley Business Journal, Life After 50, Business Life, Plan Advisor, Triathlete, Peoria Journal Star, Kokomo Tribune, The Telegraph Newspaper, AmericanChronicle.com, Senior Market Advisor, Boomer Market Advisor, Reach!, Violet for Women, Boom News, Next!, The Albany Times-Union, The Richmond Times Dispatch, The Sun News, Afro American, Seacoast Newspapers, GrandParents.com, NationalPost.com, ThirdAge.com, American Chronicle, Press & Sun Democrat, LiveStrong.com, The Pacific Business Journal, RetirementForMen.com, The Liberty Tribune, PlacesOfValue.com, Bucks County Courier Times, Central Valley Business Journal, Vermont Maturity Magazine, The Orlando Sentinel, Salt Lake Tribune, SeniorMarketAdvisor.com, The Tampa Tribune, The Troy Record, Alexandria Daily Town Talk, Richmond-Times Dispatch, Portsmouth Herald News, Today’s Charlotte Woman, Dos Mundos, TotallyHer.com, The Saratoga Business Journal, Saratoga Today, PhillyBurbs.com, Oneida Dispatch, Spirit of Saratoga, Senior Beacon, The Bergen Record, The Northeast Pennsylvania Business Journal, Pennsylvania Business Central, Arkansas Aging, TownHall.com, National Underwriter Life & Health, TheStarPress.com, RedwoodAge.com, Asset Magazine, SeniorsForLiving.com, The Australian Financial Review, Asian Enterprise Magazine, Mail Tribune, Registered Representative, The Capital District Business Review and The Chronicle of Higher Education. Bill’s first book, 101 Stock Market Guarantees, was published in 2004.

In his leisure time, Billy, as his friends call him, loves to sing. He is an accomplished vocalist and has performed the National Anthem at Madison Square Garden, the Pepsi Arena and other sporting venues. His love of singing and knowledge of money, combined with his witty sense of humor and desire to fight financial illiteracy, come full circle with his development of hilarious financial-related song parodies found at www.PerfectHarMoney.com.

Bill is a graduate of Marist College and obtained his certification in financial planning from The College for Financial Planning in Denver. He is a member of the Society of Certified Senior Advisors and the National Ethics Bureau. Active in his community, Bill has coached youth soccer and basketball, and has volunteered to help raise money for Special Olympics, March of Dimes, Make-A-Wish Foundation and the American Heart Association. Additionally, he has volunteered his time to advise individuals at the Financial Planning Clinic sponsored annually by the Certified Financial Planner Board of Standards Inc.

Bill has been married for 21 years to his wife Tori. Together they have three sons, two dogs, and two fish.

For more information, please visit http://www.BillLosey.com

Retirement Expert Bill Losey Explains Changes in IRA & 401(k)s for 2012

admin — Thu, 10 Nov 2011 17:52:06 +0000

Bill Losey, America’s Retirement Strategist® and 401(k) rollover expert, publishes a new article discussing some of the expected changes in retirement savings options for 2012.

Saratoga Springs, NY. – November 10, 2011 – Bill Losey, author and retirement expert and advisor, recently wrote an article offering his thoughts on some of the changes on the horizon in 2012 as it pertains to planning for retirement. This article, found on his website http://www.BillLosey.com, titled “Changes in IRA & 401(k)s for 2012” explains four changes coming in 2012 for IRA and 401(k) accounts. In the article, Bill touches on the changes planned by the IRS after cost-of-living adjustments, and how it will affect those planning for retirement.

Some of the changes that Bill writes about include:

401(k) & IRA yearly contribution
Traditional IRA phase-outs
Roth IRA phase-outs

To learn more details about each of these, please read the entire article at http://www.billlosey.com/articles/changes-in-ira-401ks-for-2012.php

Other recent articles written by Bill Losey include “The Latest on Social Security”, “What Has Wall Street Learned from 2008?”, “Could Your Social Security Income Be Taxed?” and “Financial Missteps Made By Married Women,” among others.

Retirement Intelligence® is a $497 value, but is available for free on Bill’s website http://www.MyRetirementSuccess.com

To learn more about Bill Losey Retirement Solutions, please visit http://www.BillLosey.com and http://www.MyRetirementSuccess.com.

About Bill Losey:

Bill has over 20 years experience in the financial services industry and is a Certified Financial Planner™ practitioner, a Certified Senior Advisor and Certified Retirement Coach. He is the author of Retire in a Weekend! The Baby Boomer’s Guide to Making Work Optional (a 2008 Finalist at The Indie Excellence Book Awards), Founder of National Retirement Planning Month, and he publishes Retirement Intelligence®, an award-winning weekly newsletter that reaches thousands of subscribers worldwide.

As a qualified professional in the areas of retirement strategies, personal finance and investing, Bill has been seen and heard on the FOX Business Network, CNBC, ABC News Now, CNN Radio, the CBS Evening News, Oprah & Friends, Martha Stewart Living Radio, Montel William’s “Montel Across America”, CBS6-TV, CW11 Morning News, Retirement Living TV, Leading Experts TV, the CBS Radio Network, TIME, AARP Magazine, BankRate.com, CNNMoney.com, Forbes, Aol.com, SmartMoney.com, Morningstar.com, the Wall Street Journal Online, U.S. News & World Report, BusinessWeek.com, Kiplinger’s Personal Finance, AARP Bulletin, CNNfn, FOX’s “Hannity & Colmes”, Wall Street Journal Blogs, Yahoo! Finance, MainStreet.com, Bloomberg Business Radio, CNN.com, FOX News Radio, The Motley Fool, KABC Radio, Federal News Radio, the Armed Forces Radio Network, Wall Street Journal Sunday, Credit.com and hundreds of radio stations nationwide. Bill formerly was the resident retirement expert on CNBC’s “On The Money”; wrote a monthly column called “Dollars & Sense” for Life @ Home magazine; wrote a weekly column called “Making Work Optional” for The Saratogian; was a financial commentator for RNN-TV; and was the guest host of “Money Matters”, a daily personal finance radio program simulcast throughout NY, NJ and CT.   In addition to his frequent TV and radio appearances, Bill is a freelance contributer to the AARP, and is the Retirement Success Expert for Boomj.com, a baby-boomer social networking website, and the Guide to Retirement & Retirement Planning at SelfGrowth.com. He has also appeared in New York Daily News, Financial Planning, Investor’s Business Daily, Boston Herald, Personal Excellence, Investment News, The Chicago Tribune, Cents, Oprah.com, The Daily Herald, Inside Information, The Atlanta Journal Constitution, the Journal of Financial Planning, Bottomline Wealth, Hudson Valley Business Journal, Life After 50, Business Life, Plan Advisor, Triathlete, Peoria Journal Star, Kokomo Tribune, The Telegraph Newspaper, AmericanChronicle.com, Senior Market Advisor, Boomer Market Advisor, Reach!, Violet for Women, Boom News, Next!, The Albany Times-Union, The Richmond Times Dispatch, The Sun News, Afro American, Seacoast Newspapers, GrandParents.com, NationalPost.com, ThirdAge.com, American Chronicle, Press & Sun Democrat, LiveStrong.com, The Pacific Business Journal, RetirementForMen.com, The Liberty Tribune, PlacesOfValue.com, Bucks County Courier Times, Central Valley Business Journal, Vermont Maturity Magazine, The Orlando Sentinel, Salt Lake Tribune, SeniorMarketAdvisor.com, The Tampa Tribune, The Troy Record, Alexandria Daily Town Talk, Richmond-Times Dispatch, Portsmouth Herald News, Today’s Charlotte Woman, Dos Mundos, TotallyHer.com, The Saratoga Business Journal, Saratoga Today, PhillyBurbs.com, Oneida Dispatch, Spirit of Saratoga, Senior Beacon, The Bergen Record, The Northeast Pennsylvania Business Journal, Pennsylvania Business Central, Arkansas Aging, TownHall.com, National Underwriter Life & Health, TheStarPress.com, RedwoodAge.com, Asset Magazine, SeniorsForLiving.com, The Australian Financial Review, Asian Enterprise Magazine, Mail Tribune, Registered Representative, The Capital District Business Review and The Chronicle of Higher Education. Bill’s first book, 101 Stock Market Guarantees, was published in 2004.

Bill has been married for 21 years to his wife Tori. Together they have three sons, two dogs, and two fish.

For more information, please visit http://www.BillLosey.com

Retirement Advisor Bill Losey To Attend Online Trading Academy in New York City

admin — Mon, 10 Oct 2011 16:25:28 +0000

Bill Losey, America’s Retirement Strategist®, will be taking part in the online trading academy course in New York City to help better serve his clients.

Saratoga Springs, NY. – October 10, 2011 – Bill Losey, author and retirement expert and advisor, will be attending courses through Online Trading Academy this month from October 15^th to October 21^st. “In light of stock market upheaval, this advanced training class will help me better help and serve my clients and manage their retirement investment portfolios,” remarks Losey.

Bill explains that this course will help serve his clients as he studies more about identifying investment opportunities, limiting loss, reducing risk, identifying entry/exit points and managing risk to help take emotion our of the decision-making process.

Bill is a nationally known and respected retirement expert, specializing in 401k rollover advice, self directed IRA rollovers, 401k direct rollovers, and many other investment and retirement strategies. Bill’s company, Bill Losey Retirement Solutions, LLC, is an independent registered investment advisory firm that caters primarily to couples as well as divorced and widowed women nationwide (age 50-70) who demand objective financial and retirement advice; customized, fee-only investment management; attention to detail; and impeccable service.

Bill Losey also recently launched his “Second Opinion” program to provide an unbiased second opinion on your family’s finances, whether it includes a 401(k), 403(b), IRA or other investments. Bill is featuring a short video overview about this new program at http://www.BillLosey.com/SecondOpinion. There is no cost and no obligation to receive your financial second opinion.

To learn more about Bill Losey Retirement Solutions, please visit http://www.BillLosey.com and http://www.MyRetirementSuccess.com.

About Bill Losey:

Bill has over 20 years experience in the financial services industry and is a Certified Financial Planner™ practitioner, a Certified Senior Advisor and Certified Retirement Coach. He is the author of Retire in a Weekend! The Baby Boomer’s Guide to Making Work Optional (a 2008 Finalist at The Indie Excellence Book Awards), Founder of National Retirement Planning Month, and he publishes Retirement Intelligence®, an award-winning weekly newsletter that reaches thousands of subscribers worldwide.

As a qualified professional in the areas of retirement strategies, personal finance and investing, Bill has been seen and heard on the FOX Business Network, CNBC, ABC News Now, CNN Radio, the CBS Evening News, Oprah & Friends, Martha Stewart Living Radio, Montel William’s “Montel Across America”, CBS6-TV, CW11 Morning News, Retirement Living TV, Leading Experts TV, the CBS Radio Network, TIME, AARP Magazine, BankRate.com, CNNMoney.com, Forbes, Aol.com, SmartMoney.com, Morningstar.com, the Wall Street Journal Online, U.S. News & World Report, BusinessWeek.com, Kiplinger’s Personal Finance, AARP Bulletin, CNNfn, FOX’s “Hannity & Colmes”, Wall Street Journal Blogs, Yahoo! Finance, MainStreet.com, Bloomberg Business Radio, CNN.com, FOX News Radio, The Motley Fool, KABC Radio, Federal News Radio, the Armed Forces Radio Network, Wall Street Journal Sunday, Credit.com and hundreds of radio stations nationwide. Bill formerly was the resident retirement expert on CNBC’s “On The Money”; wrote a monthly column called “Dollars & Sense” for Life @ Home magazine; wrote a weekly column called “Making Work Optional” for The Saratogian; was a financial commentator for RNN-TV; and was the guest host of “Money Matters”, a daily personal finance radio program simulcast throughout NY, NJ and CT.   In addition to his frequent TV and radio appearances, Bill is a freelance contributer to the AARP, and is the Retirement Success Expert for Boomj.com, a baby-boomer social networking website, and the Guide to Retirement & Retirement Planning at SelfGrowth.com. He has also appeared in New York Daily News, Financial Planning, Investor’s Business Daily, Boston Herald, Personal Excellence, Investment News, The Chicago Tribune, Cents, Oprah.com, The Daily Herald, Inside Information, The Atlanta Journal Constitution, the Journal of Financial Planning, Bottomline Wealth, Hudson Valley Business Journal, Life After 50, Business Life, Plan Advisor, Triathlete, Peoria Journal Star, Kokomo Tribune, The Telegraph Newspaper, AmericanChronicle.com, Senior Market Advisor, Boomer Market Advisor, Reach!, Violet for Women, Boom News, Next!, The Albany Times-Union, The Richmond Times Dispatch, The Sun News, Afro American, Seacoast Newspapers, GrandParents.com, NationalPost.com, ThirdAge.com, American Chronicle, Press & Sun Democrat, LiveStrong.com, The Pacific Business Journal, RetirementForMen.com, The Liberty Tribune, PlacesOfValue.com, Bucks County Courier Times, Central Valley Business Journal, Vermont Maturity Magazine, The Orlando Sentinel, Salt Lake Tribune, SeniorMarketAdvisor.com, The Tampa Tribune, The Troy Record, Alexandria Daily Town Talk, Richmond-Times Dispatch, Portsmouth Herald News, Today’s Charlotte Woman, Dos Mundos, TotallyHer.com, The Saratoga Business Journal, Saratoga Today, PhillyBurbs.com, Oneida Dispatch, Spirit of Saratoga, Senior Beacon, The Bergen Record, The Northeast Pennsylvania Business Journal, Pennsylvania Business Central, Arkansas Aging, TownHall.com, National Underwriter Life & Health, TheStarPress.com, RedwoodAge.com, Asset Magazine, SeniorsForLiving.com, The Australian Financial Review, Asian Enterprise Magazine, Mail Tribune, Registered Representative, The Capital District Business Review and The Chronicle of Higher Education. Bill’s first book, 101 Stock Market Guarantees, was published in 2004.

Bill has been married for 22 years to his wife Tori. Together they have three sons, two dogs, and two fish.

For more information, please visit http://www.BillLosey.com

Retirement Advisor Bill Losey Launches “Second Opinion” Program To Help Worried Investors

admin — Wed, 14 Sep 2011 18:50:54 +0000

Bill Losey, America’s Retirement Strategist®, is launching a new program called “Second Opinion” to help investors take a close look at their retirement savings and gain a fresh perspective in a shaky economy.

Saratoga Springs, NY. – September 14, 2011 – Bill Losey, author and retirement expert and advisor, is launching a new program at his website to help those looking to move in a new direction with their retirement strategy. A recent study shows that 8 out of 10 affluent investors are dissatisfied enough that they would change their financial advisors. 90 percent of investors would welcome a “second opinion” of their family’s financial outlook.

Bill understands that investors are trying to make sense of an unprecedented economic earthquake that has left them feeling blindsided and unsure about their financial future like never before. It’s easy to see why investors have grown skittish. They’ve endured not one, but two of the worst stock market downturns in history – both within a short 10-year span.

There’s no doubt about it: Investing can be complex. Many investors don’t have a plan and others aren’t sure if they have the right plan, but there’s one thing that’s certain. In today’s turbulent times, Bill Losey believes it’s prudent—even essential—for today’s affluent investor, especially the leading edge baby boomers on the brink of retirement, to obtain a completely unbiased second opinion.

Bill Losey’s program will provide that unbiased second opinion on your family’s finances, whether it includes a 401(k), 403(b), IRA or other investments. Bill is featuring a short video overview about this new program at http://www.BillLosey.com/SecondOpinion. There is no cost and no obligation to receive your financial second opinion.

To learn more about Bill Losey Retirement Solutions, please visit http://www.BillLosey.com and http://www.MyRetirementSuccess.com.

Learn more about getting a Second Opinion at http://www.BillLosey.com/SecondOpinion

About Bill Losey:

Bill has over 20 years experience in the financial services industry and is a Certified Financial Planner™ practitioner, a Certified Senior Advisor and Certified Retirement Coach. He is the author of Retire in a Weekend! The Baby Boomer’s Guide to Making Work Optional (a 2008 Finalist at The Indie Excellence Book Awards), Founder of National Retirement Planning Month, and he publishes Retirement Intelligence®, an award-winning weekly newsletter that reaches thousands of subscribers worldwide.

As a qualified professional in the areas of retirement strategies, personal finance and investing, Bill has been seen and heard on the FOX Business Network, CNBC, ABC News Now, CNN Radio, the CBS Evening News, Oprah & Friends, Martha Stewart Living Radio, Montel William’s “Montel Across America”, CBS6-TV, CW11 Morning News, Retirement Living TV, Leading Experts TV, the CBS Radio Network, TIME, AARP Magazine, BankRate.com, CNNMoney.com, Forbes, Aol.com, SmartMoney.com, Morningstar.com, the Wall Street Journal Online, U.S. News & World Report, BusinessWeek.com, Kiplinger’s Personal Finance, AARP Bulletin, CNNfn, FOX’s “Hannity & Colmes”, Wall Street Journal Blogs, Yahoo! Finance, MainStreet.com, Bloomberg Business Radio, CNN.com, FOX News Radio, The Motley Fool, KABC Radio, Federal News Radio, the Armed Forces Radio Network, Wall Street Journal Sunday, Credit.com and hundreds of radio stations nationwide. Bill formerly was the resident retirement expert on CNBC’s “On The Money”; wrote a monthly column called “Dollars & Sense” for Life @ Home magazine; wrote a weekly column called “Making Work Optional” for The Saratogian; was a financial commentator for RNN-TV; and was the guest host of “Money Matters”, a daily personal finance radio program simulcast throughout NY, NJ and CT.   In addition to his frequent TV and radio appearances, Bill is a freelance contributer to the AARP, and is the Retirement Success Expert for Boomj.com, a baby-boomer social networking website, and the Guide to Retirement & Retirement Planning at SelfGrowth.com. He has also appeared in New York Daily News, Financial Planning, Investor’s Business Daily, Boston Herald, Personal Excellence, Investment News, The Chicago Tribune, Cents, Oprah.com, The Daily Herald, Inside Information, The Atlanta Journal Constitution, the Journal of Financial Planning, Bottomline Wealth, Hudson Valley Business Journal, Life After 50, Business Life, Plan Advisor, Triathlete, Peoria Journal Star, Kokomo Tribune, The Telegraph Newspaper, AmericanChronicle.com, Senior Market Advisor, Boomer Market Advisor, Reach!, Violet for Women, Boom News, Next!, The Albany Times-Union, The Richmond Times Dispatch, The Sun News, Afro American, Seacoast Newspapers, GrandParents.com, NationalPost.com, ThirdAge.com, American Chronicle, Press & Sun Democrat, LiveStrong.com, The Pacific Business Journal, RetirementForMen.com, The Liberty Tribune, PlacesOfValue.com, Bucks County Courier Times, Central Valley Business Journal, Vermont Maturity Magazine, The Orlando Sentinel, Salt Lake Tribune, SeniorMarketAdvisor.com, The Tampa Tribune, The Troy Record, Alexandria Daily Town Talk, Richmond-Times Dispatch, Portsmouth Herald News, Today’s Charlotte Woman, Dos Mundos, TotallyHer.com, The Saratoga Business Journal, Saratoga Today, PhillyBurbs.com, Oneida Dispatch, Spirit of Saratoga, Senior Beacon, The Bergen Record, The Northeast Pennsylvania Business Journal, Pennsylvania Business Central, Arkansas Aging, TownHall.com, National Underwriter Life & Health, TheStarPress.com, RedwoodAge.com, Asset Magazine, SeniorsForLiving.com, The Australian Financial Review, Asian Enterprise Magazine, Mail Tribune, Registered Representative, The Capital District Business Review and The Chronicle of Higher Education. Bill’s first book, 101 Stock Market Guarantees, was published in 2004.

Bill has been married for 22 years to his wife Tori. Together they have three sons, two dogs, and two fish.

For more information, please visit http://www.BillLosey.com

Retirement Advisor Bill Losey Celebrates 6-Year Anniversary of Financial and Retirement Planning Firm

admin — Tue, 02 Aug 2011 20:51:19 +0000

Bill Losey, America’s Retirement Strategist®, is celebrating the 6-year anniversary of his financial planning and retirement advisement company, Bill Losey Retirement Solutions, LLC.

Saratoga Springs, NY. – August 2, 2011 – Bill Losey, author and retirement expert and advisor, along with his staff, is celebrating the 6 year anniversary of Bill Losey Retirement Solutions, LLC. On August 1, 2005, Bill Losey launched this business with one goal in mind – to offer advice and solutions to those planning for retirement, as well as those in the midst of retirement, who are trying to get the most out of their finances.

Bill Losey remarked, “These past 6 years have been so rewarding! We’ve enjoyed some great relationships with our clients over the years, and it is always fulfilling to help others realize their financial goals. We look forward to serving our clients for many more years to come.”

“Our motto of ‘Invest Smart. Play Hard. Live Long®’ seems even more applicable today, as many of our clients are enjoying the benefits of learning how to navigate the retirement waters in ways that lets them enjoy life on their terms,” continued Losey.

To learn more about Bill Losey Retirement Solutions, please visit http://www.BillLosey.com and http://www.MyRetirementSuccess.com.

About Bill Losey:

Bill has over 20 years experience in the financial services industry and is a Certified Financial Planner™ practitioner, a Certified Senior Advisor and Certified Retirement Coach. He is the author of Retire in a Weekend! The Baby Boomer’s Guide to Making Work Optional (a 2008 Finalist at The Indie Excellence Book Awards), Founder of National Retirement Planning Month, and he publishes Retirement Intelligence®, an award-winning weekly newsletter that reaches thousands of subscribers worldwide.

As a qualified professional in the areas of retirement strategies, personal finance and investing, Bill has been seen and heard on the FOX Business Network, CNBC, ABC News Now, CNN Radio, the CBS Evening News, Oprah & Friends, Martha Stewart Living Radio, Montel William’s “Montel Across America”, CBS6-TV, CW11 Morning News, Retirement Living TV, Leading Experts TV, the CBS Radio Network, TIME, AARP Magazine, BankRate.com, CNNMoney.com, Forbes, Aol.com, SmartMoney.com, Morningstar.com, the Wall Street Journal Online, U.S. News & World Report, BusinessWeek.com, Kiplinger’s Personal Finance, AARP Bulletin, CNNfn, FOX’s “Hannity & Colmes”, Wall Street Journal Blogs, Yahoo! Finance, MainStreet.com, Bloomberg Business Radio, CNN.com, FOX News Radio, The Motley Fool, KABC Radio, Federal News Radio, the Armed Forces Radio Network, Wall Street Journal Sunday, Credit.com and hundreds of radio stations nationwide. Bill formerly was the resident retirement expert on CNBC’s “On The Money”; wrote a monthly column called “Dollars & Sense” for Life @ Home magazine; wrote a weekly column called “Making Work Optional” for The Saratogian; was a financial commentator for RNN-TV; and was the guest host of “Money Matters”, a daily personal finance radio program simulcast throughout NY, NJ and CT.   In addition to his frequent TV and radio appearances, Bill is a freelance contributer to the AARP, and is the Retirement Success Expert for Boomj.com, a baby-boomer social networking website, and the Guide to Retirement & Retirement Planning at SelfGrowth.com. He has also appeared in New York Daily News, Financial Planning, Investor’s Business Daily, Boston Herald, Personal Excellence, Investment News, The Chicago Tribune, Cents, Oprah.com, The Daily Herald, Inside Information, The Atlanta Journal Constitution, the Journal of Financial Planning, Bottomline Wealth, Hudson Valley Business Journal, Life After 50, Business Life, Plan Advisor, Triathlete, Peoria Journal Star, Kokomo Tribune, The Telegraph Newspaper, AmericanChronicle.com, Senior Market Advisor, Boomer Market Advisor, Reach!, Violet for Women, Boom News, Next!, The Albany Times-Union, The Richmond Times Dispatch, The Sun News, Afro American, Seacoast Newspapers, GrandParents.com, NationalPost.com, ThirdAge.com, American Chronicle, Press & Sun Democrat, LiveStrong.com, The Pacific Business Journal, RetirementForMen.com, The Liberty Tribune, PlacesOfValue.com, Bucks County Courier Times, Central Valley Business Journal, Vermont Maturity Magazine, The Orlando Sentinel, Salt Lake Tribune, SeniorMarketAdvisor.com, The Tampa Tribune, The Troy Record, Alexandria Daily Town Talk, Richmond-Times Dispatch, Portsmouth Herald News, Today’s Charlotte Woman, Dos Mundos, TotallyHer.com, The Saratoga Business Journal, Saratoga Today, PhillyBurbs.com, Oneida Dispatch, Spirit of Saratoga, Senior Beacon, The Bergen Record, The Northeast Pennsylvania Business Journal, Pennsylvania Business Central, Arkansas Aging, TownHall.com, National Underwriter Life & Health, TheStarPress.com, RedwoodAge.com, Asset Magazine, SeniorsForLiving.com, The Australian Financial Review, Asian Enterprise Magazine, Mail Tribune, Registered Representative, The Capital District Business Review and The Chronicle of Higher Education. Bill’s first book, 101 Stock Market Guarantees, was published in 2004.

Bill has been married for 22 years to his wife Tori. Together they have three sons, two dogs, and two fish.

For more information, please visit http://www.BillLosey.com

Retirement Expert Bill Losey Discusses Impact of The National Debt Ceiling Debate

admin — Thu, 07 Jul 2011 00:55:05 +0000

Bill Losey, America’s Retirement Strategist®, publishes a new blog providing his thoughts on what would happen if the United States misses the deadline for raising the debt ceiling.

Saratoga Springs, NY. – July 6, 2011 – Bill Losey, author and retirement expert and advisor, recently wrote a blog discussing the federal debt ceiling debate that is reaching a boiling point in American politics. This blog, found on his website http://www.BillLosey.com, titled “The D Word That Haunts Wall Street” asks, “When will the debt ceiling issue be solved?” and “What would happen if we miss the deadline?” As with any national debate that has the potential to disrupt an already shaky economy, Bill knows the impact that this could have for those in the midst of retirement as well as those planning for retirement.

Bill Losey writes, “The NFL, the NBA, the EU, Congress … wherever you look, it seems people would rather wrangle these days than resolve their differences. The U.S. Treasury has set a hard deadline of August 2 for Congress to settle its divide on the federal debt ceiling, and if partisan bickering interferes, the world economy could suffer a severe hit.”

“What would happen if we miss the deadline? According to federal budget analysts at the Bipartisan Policy Center, the Treasury would only be able to make a slight majority of its 80 million monthly payments in August. Treasury Secretary Timothy Geithner would likely be put in the same position as a struggling consumer low on cash and behind on his bills: he would have to selectively decide which debts to pay for the month and which to ignore. Should August 2 come and go without a solution, Congress’s inaction (and Geithner’s subsequent decisions) would have dramatic global repercussions,” continues Bill.

Bill concluded, “It may just be a matter of time. This negotiation is ultimately like so many others: a ticking clock will exert the most leverage. Given the gravity of what could happen, concessions will inevitably occur, a deal should happen (albeit probably at the eleventh hour), and both sides will put their own spin on the agreement. Until then, a hint of tension haunts Wall Street. Stay tuned.”

To read the entire blog please visit http://www.billlosey.com/blog/the-d-word-that-haunts-wall-street.php

Other recent blogs written by Bill Losey include “The Current CD Quandary – Today’s Yield Can’t Beat Inflation,” “4 Reasons For Optimism,” “The Debate About Our Debt Ceiling”, “Will Gas Hit $5 or $6 A Gallon? When Will We See Relief?”, “How To Build Good Credit (and Improve Your Credit Score)” and “2 Reasons NOT To Take Early Withdrawals From Your Retirement Accounts,” among others.

Bill Losey’s award-winning free weekly email newsletter, Retirement Intelligence®, recently celebrated its 200^th issue. Each issue of RI reveals how-to-articles, secrets, investment ideas, a “Joke Of The Week”, fitness and diet tips, and promotes upcoming seminar dates to keep subscribers “in-the-know.” Bill and his staff seek to provide informative and entertaining information readers can use to simply and confidently enhance their health, wealth and happiness.

Retirement Intelligence® is a $497 value, but is available for free on Bill’s website http://www.MyRetirementSuccess.com

To learn more about Bill Losey Retirement Solutions, please visit http://www.BillLosey.com and http://www.MyRetirementSuccess.com.

About Bill Losey:

Bill has over 20 years experience in the financial services industry and is a Certified Financial Planner™ practitioner, a Certified Senior Advisor and Certified Retirement Coach. He is the author of Retire in a Weekend! The Baby Boomer’s Guide to Making Work Optional (a 2008 Finalist at The Indie Excellence Book Awards), Founder of National Retirement Planning Month, and he publishes Retirement Intelligence®, an award-winning weekly newsletter that reaches thousands of subscribers worldwide.

As a qualified professional in the areas of retirement strategies, personal finance and investing, Bill has been seen and heard on the FOX Business Network, CNBC, ABC News Now, CNN Radio, the CBS Evening News, Oprah & Friends, Martha Stewart Living Radio, Montel William’s “Montel Across America”, CBS6-TV, CW11 Morning News, Retirement Living TV, Leading Experts TV, the CBS Radio Network, TIME, AARP Magazine, BankRate.com, CNNMoney.com, Forbes, Aol.com, SmartMoney.com, Morningstar.com, the Wall Street Journal Online, U.S. News & World Report, BusinessWeek.com, Kiplinger’s Personal Finance, AARP Bulletin, CNNfn, FOX’s “Hannity & Colmes”, Wall Street Journal Blogs, Yahoo! Finance, MainStreet.com, Bloomberg Business Radio, CNN.com, FOX News Radio, The Motley Fool, KABC Radio, Federal News Radio, the Armed Forces Radio Network, Wall Street Journal Sunday, Credit.com and hundreds of radio stations nationwide. Bill formerly was the resident retirement expert on CNBC’s “On The Money”; wrote a monthly column called “Dollars & Sense” for Life @ Home magazine; wrote a weekly column called “Making Work Optional” for The Saratogian; was a financial commentator for RNN-TV; and was the guest host of “Money Matters”, a daily personal finance radio program simulcast throughout NY, NJ and CT.   In addition to his frequent TV and radio appearances, Bill is a freelance contributer to the AARP, and is the Retirement Success Expert for Boomj.com, a baby-boomer social networking website, and the Guide to Retirement & Retirement Planning at SelfGrowth.com. He has also appeared in New York Daily News, Financial Planning, Investor’s Business Daily, Boston Herald, Personal Excellence, Investment News, The Chicago Tribune, Cents, Oprah.com, The Daily Herald, Inside Information, The Atlanta Journal Constitution, the Journal of Financial Planning, Bottomline Wealth, Hudson Valley Business Journal, Life After 50, Business Life, Plan Advisor, Triathlete, Peoria Journal Star, Kokomo Tribune, The Telegraph Newspaper, AmericanChronicle.com, Senior Market Advisor, Boomer Market Advisor, Reach!, Violet for Women, Boom News, Next!, The Albany Times-Union, The Richmond Times Dispatch, The Sun News, Afro American, Seacoast Newspapers, GrandParents.com, NationalPost.com, ThirdAge.com, American Chronicle, Press & Sun Democrat, LiveStrong.com, The Pacific Business Journal, RetirementForMen.com, The Liberty Tribune, PlacesOfValue.com, Bucks County Courier Times, Central Valley Business Journal, Vermont Maturity Magazine, The Orlando Sentinel, Salt Lake Tribune, SeniorMarketAdvisor.com, The Tampa Tribune, The Troy Record, Alexandria Daily Town Talk, Richmond-Times Dispatch, Portsmouth Herald News, Today’s Charlotte Woman, Dos Mundos, TotallyHer.com, The Saratoga Business Journal, Saratoga Today, PhillyBurbs.com, Oneida Dispatch, Spirit of Saratoga, Senior Beacon, The Bergen Record, The Northeast Pennsylvania Business Journal, Pennsylvania Business Central, Arkansas Aging, TownHall.com, National Underwriter Life & Health, TheStarPress.com, RedwoodAge.com, Asset Magazine, SeniorsForLiving.com, The Australian Financial Review, Asian Enterprise Magazine, Mail Tribune, Registered Representative, The Capital District Business Review and The Chronicle of Higher Education. Bill’s first book, 101 Stock Market Guarantees, was published in 2004.

Bill has been married for 21 years to his wife Tori. Together they have three sons, two dogs, and two fish.

For more information, please visit http://www.BillLosey.com

Retirement Expert, Bill Losey, Discusses A Woman’s Financial Reality

admin — Wed, 08 Jun 2011 17:18:54 +0000

Bill Losey, America’s Retirement Strategist®, publishes a new blog giving helpful retirement planning tips for women.

Saratoga Springs, NY. – June 8, 2011 – Bill Losey, author and retirement expert and advisor, recently wrote a blog geared towards women, offering tips on planning for retirement. This blog, found on his website http://www.BillLosey.com, titled “A Woman’s Financial Reality – Your Financial Future Is Up To You & No One Else” gives several financial insights that can help women plan for retirement. In the blog, Bill explains how men and women face unique challenges when it comes to working and planning for retirement.

Bill Losey launched his business five years ago with one goal in mind – to offer advice and solutions to those planning for retirement. This latest blog is one of many helpful articles that Bill writes frequently to make planning for retirement seem less daunting and more achievable.

Bill Losey writes, “With inflation and other economic pressures, a mature woman relying on Social Security income may eventually have to choose between food or medicine, or rent or car repair, or contend with other stressful money dilemmas. When these women were younger, did they envision such a meager future ahead of them? Probably not. More than a few probably wish they had understood money matters better or actively invested for retirement…The more knowledge you have, the more action you can take to define and pursue your financial goals and build retirement savings. You can also respond to a few financial realities common to women’s lives.”

Some of the other points that Bill writes about include:

Women live longer
The average woman spends 12 years out of the working world
Women face an earnings gap
At work, many women are worth more than the salaries they receive
A rich spouse does not equal a retirement plan
How do you plan to arrange a comfortable future for yourself?

To learn more details about each of these, please read the entire article at http://www.billlosey.com/blog/a-womans-financial-reality-your-financial-future-is-up-to-you-no-one-else.php

Other recent blogs written by Bill Losey include “The Debate About Our Debt Ceiling”, “Will Gas Hit $5 or $6 A Gallon? When Will We See Relief?”, “How To Build Good Credit (and Improve Your Credit Score)” and “2 Reasons NOT To Take Early Withdrawals From Your Retirement Accounts,” among others.

Retirement Intelligence® is a $497 value, but is available for free on Bill’s website http://www.MyRetirementSuccess.com

To learn more about Bill Losey Retirement Solutions, please visit http://www.BillLosey.com and http://www.MyRetirementSuccess.com.

About Bill Losey:

Bill has over 20 years experience in the financial services industry and is a Certified Financial Planner™ practitioner, a Certified Senior Advisor and Certified Retirement Coach. He is the author of Retire in a Weekend! The Baby Boomer’s Guide to Making Work Optional (a 2008 Finalist at The Indie Excellence Book Awards), Founder of National Retirement Planning Month, and he publishes Retirement Intelligence®, an award-winning weekly newsletter that reaches thousands of subscribers worldwide.

As a qualified professional in the areas of retirement strategies, personal finance and investing, Bill has been seen and heard on the FOX Business Network, CNBC, ABC News Now, CNN Radio, the CBS Evening News, Oprah & Friends, Martha Stewart Living Radio, Montel William’s “Montel Across America”, CBS6-TV, CW11 Morning News, Retirement Living TV, Leading Experts TV, the CBS Radio Network, TIME, AARP Magazine, BankRate.com, CNNMoney.com, Forbes, Aol.com, SmartMoney.com, Morningstar.com, the Wall Street Journal Online, U.S. News & World Report, BusinessWeek.com, Kiplinger’s Personal Finance, AARP Bulletin, CNNfn, FOX’s “Hannity & Colmes”, Wall Street Journal Blogs, Yahoo! Finance, MainStreet.com, Bloomberg Business Radio, CNN.com, FOX News Radio, The Motley Fool, KABC Radio, Federal News Radio, the Armed Forces Radio Network, Wall Street Journal Sunday, Credit.com and hundreds of radio stations nationwide. Bill formerly was the resident retirement expert on CNBC’s “On The Money”; wrote a monthly column called “Dollars & Sense” for Life @ Home magazine; wrote a weekly column called “Making Work Optional” for The Saratogian; was a financial commentator for RNN-TV; and was the guest host of “Money Matters”, a daily personal finance radio program simulcast throughout NY, NJ and CT.   In addition to his frequent TV and radio appearances, Bill is a freelance contributer to the AARP, and is the Retirement Success Expert for Boomj.com, a baby-boomer social networking website, and the Guide to Retirement & Retirement Planning at SelfGrowth.com. He has also appeared in New York Daily News, Financial Planning, Investor’s Business Daily, Boston Herald, Personal Excellence, Investment News, The Chicago Tribune, Cents, Oprah.com, The Daily Herald, Inside Information, The Atlanta Journal Constitution, the Journal of Financial Planning, Bottomline Wealth, Hudson Valley Business Journal, Life After 50, Business Life, Plan Advisor, Triathlete, Peoria Journal Star, Kokomo Tribune, The Telegraph Newspaper, AmericanChronicle.com, Senior Market Advisor, Boomer Market Advisor, Reach!, Violet for Women, Boom News, Next!, The Albany Times-Union, The Richmond Times Dispatch, The Sun News, Afro American, Seacoast Newspapers, GrandParents.com, NationalPost.com, ThirdAge.com, American Chronicle, Press & Sun Democrat, LiveStrong.com, The Pacific Business Journal, RetirementForMen.com, The Liberty Tribune, PlacesOfValue.com, Bucks County Courier Times, Central Valley Business Journal, Vermont Maturity Magazine, The Orlando Sentinel, Salt Lake Tribune, SeniorMarketAdvisor.com, The Tampa Tribune, The Troy Record, Alexandria Daily Town Talk, Richmond-Times Dispatch, Portsmouth Herald News, Today’s Charlotte Woman, Dos Mundos, TotallyHer.com, The Saratoga Business Journal, Saratoga Today, PhillyBurbs.com, Oneida Dispatch, Spirit of Saratoga, Senior Beacon, The Bergen Record, The Northeast Pennsylvania Business Journal, Pennsylvania Business Central, Arkansas Aging, TownHall.com, National Underwriter Life & Health, TheStarPress.com, RedwoodAge.com, Asset Magazine, SeniorsForLiving.com, The Australian Financial Review, Asian Enterprise Magazine, Mail Tribune, Registered Representative, The Capital District Business Review and The Chronicle of Higher Education. Bill’s first book, 101 Stock Market Guarantees, was published in 2004.

Bill has been married for 21 years to his wife Tori. Together they have three sons, two dogs, and two fish.

For more information, please visit http://www.BillLosey.com

Retirement Expert Bill Losey Attends Retirement Income Summit in Chicago

admin — Mon, 09 May 2011 15:32:04 +0000

Bill Losey, America’s Retirement Strategist®, recently attended the 2011 Retirement Income Summit held in Chicago, participating in discussions on retirement income for retirees as well as the next generation income strategies, among other topics.

Saratoga Springs, NY. – May 9, 2011 –Bill Losey, New York based author and retirement expert, recently joined other leading financial experts from around the country to attend the annual Retirement Income Summit, held in Chicago, Illinois. The attendees of this summit were able to learn the latest in retirement income from experts in investing, risk management, economics and psychology.

Bill Losey launched his nationwide business five years ago with one goal in mind – to offer advice and solutions to those planning for retirement, as well as those in the midst of retirement, who are trying to get the most out of their finances. This Summit was another way for Bill to participate in discussions of some of the most pressing issues facing retirees today, and learn new and innovative ways to help retirees manage their retirement income.

The Retirement Income Summit focused on the following topics:

Where to find returns and guarantees in today’s investment environment
A top Washington insider’s view on developments affecting retirement
Why what you don’t know about variable annuities can harm your clients
Why alternatives? Why now?
Practical application of annuities in retirement portfolios
How video technology will change retirement income planning
How to prepare clients for unexpected retirement

Expert in behavioral finance, Dr. Andrew W. Lo, held one of the discussions. Dr. Lo explained that, “In the current environment, investors nearing and in retirement are subject to risks earlier generations never had to consider. In addition to macroeconomic and political risks, understanding and dealing with volatility, correlation and timing are all challenges for advisers seeking solutions for their clients.” Dr. Lo has created mutual funds based on his quantitative models, brings new insights into how advisers can help clients frame and manage these risks. This is just one example of the incredibly informative material covered at this summit.

Bill Losey remarked, “It is always great to get into a room with some of the country’s most respected financial experts and discuss the latest strategies being implemented to help retirees get the most out of their income. Our clients all have different needs, and learning about alternative and innovative retirement strategies helps us have as many options available for them as possible.”

To learn more about Bill Losey Retirement Solutions, please visit http://www.BillLosey.com and http://www.MyRetirementSuccess.com.

About Bill Losey:

Bill has over 20 years experience in the financial services industry and is a Certified Financial Planner™ practitioner, a Certified Senior Advisor and Certified Retirement Coach. He is the author of Retire in a Weekend! The Baby Boomer’s Guide to Making Work Optional (a 2008 Finalist at The Indie Excellence Book Awards), Founder of National Retirement Planning Month, and he publishes Retirement Intelligence®, an award-winning weekly newsletter that reaches thousands of subscribers worldwide.

Bill has been married for 21 years to his wife Tori. Together they have three sons, two dogs, and two fish.

For more information, please visit http://www.BillLosey.com