20 Ways to Jump-Start Your Financial Future on World Financial Planning Day
Edited article for clarity, flow and global applicability.
Elizabeth Jarrell, MA
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Your Rights as a Financial Planning Client
Refreshed article; edited for clarity, flow and global applicability.
Financial Planning: What It Is and What It Can Do for You
Edited article for clarity, flow and global applicability.
It's a Rocky Road to Retirement (But Hey, At Least You're Not Alone)
So, today is March 1st—which happens to be...National Pig Day? (Yep, we checked. It's real thing.) While we're certainly not against celebrating Babe, Piglet, Miss Piggy, and all of their famous and not-so-famous friends, this being The Dime and all, we're more interested that we're halfway through America Saves Week. Not familiar with it? Don’t worry, we’ve got you.
America Saves Week, coordinated by America Saves and the American Savings Education Council, is an annual opportunity for organiz
Pensions 101: The Future of Colorado PERA's Defined Benefit Plan
Editor's Note: On March 14, 2018, a bill was introduced to the Colorado legislature with the goal of addressing PERA's unfunded liability, and securing the plan's financial health now and in the future. Known as Senate Bill 18-200, the legislation, like the proposal from PERA's Board of Trustees outlined below, aims to decrease PERA's amortization period (the amount of time it takes the plan to reach full funding) to 30 years or fewer. To view a side-by-side comparison of the bill and the PERA B
Pensions 101: A Closer Look at the Demographic Factors Affecting Pensions
People across the modern world are living longer. It’s a fact that is, without question, one of humanity’s greatest accomplishments. And hey, personally, we’re pretty jazzed about it—we’re guessing you probably are, too. However, while this reality is great for each of us individually, it doesn’t bode well for defined benefit plans that are, by design, predicated on the assumption that people in the system will set off for greener pastures within a certain amount of time. It’s morbid, yes—but tr
Pensions 101: The Nuts and Bolts of PERA's Defined Benefit Plan
Ah, the blog we all (or at least we) have been waiting for: A look at Colorado PERA’s defined benefit plan, the lifetime retirement benefit for more than 560,000 current and former public employees throughout Colorado.
In our last blog, we provided an overview of what a defined benefit plan (also known as a “pension plan”) actually is. So, now that you’re armed with the basics, let’s dive into what Colorado PERA’s plan looks like in particular. After all, if you work in the public sector here i
Pensions 101: What Is a Pension, and How Does It Operate?
If you read the previous blog in this series, you’re now armed with a quick and dirty history of the public pension system (TL;DR: The concept of a pension plan, otherwise known as a defined benefit plan, is way older than you think).
OK, so you’ve gotten a general idea of where the concept of an income that continues after one has finished working comes from. But are you still struggling with understanding what a pension plan is exactly? If so, you’re not alone; the topic is ripe for confusion
Pensions 101: The History of Public Pensions
“Let’s start at the very beginning
OK, we’ll just stop right there. Not only because that song is pretty much impossible to forget once it’s in your head (so, whatever you do, don’t click this link), but because we’re not here to reminisce about heartwarming musicals from our childhood. Instead, we’re here to talk about pensions.
Stop! Don’t click away just yet. We promise to [try to] make this the most interesting blog you’ve read on the U.S. public pension system. And to do that, we’ve got t
