Author - Cheryl Sherrard, CFP

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Financial Planning Shouldn’t Stop at Retirement
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How to Juggle College and Retirement Savings
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Consider the Needs of Caregivers
4
Life Transitions and the Sandwich Generation
5
Aging Alone

Financial Planning Shouldn’t Stop at Retirement

elderly couple squareMost of us understand we need to give careful consideration to planning, saving and preparing for the future.  This typically includes planning for the purchase of our first house, saving for the education of our children, mapping out our careers, our retirement, and even our eventual death.

However, I’ve seen too many consumers get to retirement, breathe a sigh of relief and then put their lives on auto-pilot, thinking they’ve handled all the big decisions.  The reality is that many times the decisions which will be faced in the years between retirement  and death can be some of the most …

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How to Juggle College and Retirement Savings

family landscapeHow do you successfully negotiate the conflicting goals of saving for your children’s college educations, as well as saving for retirement? If you are like most people, these two goals are constantly competing for your savings dollars and it can be difficult to prioritize one over the other, especially since education seems a more pressing goal. If you are feeling stretched and maybe discouraged as you battle these opponents, there are a few key takeaways to consider:
  1. Prioritize Appropriately
You cannot look at these two goals serially, thinking that if you just focus on the education piece and work your… Read More

Consider the Needs of Caregivers

If you have ever been in the role of caregiver to a sick family member, whether for a short period of time or for a long drawn out decline, you know it takes a huge toll on your own life and that of your family.  Caregiving can be an all-consuming task depending on the level of intervention needed.  Many times it forces the caregiver to completely rearrange their lives, taking unpaid leave from work, turning down promotions, stepping away from social engagements, spiritual interactions and even exercise to concentrate fully on caring for their family member.

For many caregivers, they …

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Life Transitions and the Sandwich Generation

One thing we all realize as we journey through life is that change is constant.  The changes can be positive or negative, and can include things like a job change, a child leaving for college, the birth of a child, starting school, graduating from school, difficulties at work, buying a house, empty nest, marriage, divorce, or death.  When only one transition hits at a time, we are typically able to concentrate and continue to function at very high levels.  However, there are times when the combination of stressors can be so overwhelming they have a serious impact on our brains’ …

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Aging Alone

For females in the U. S., there is a high likelihood that at some point in your future you will be alone.  Data from the National Center for Health Statistics at the Centers for Disease Control shows that the difference in life expectancy at birth between males and females was 4.8 years as of 2011.  Although this is down from a high of 7.8 years in 1979, there is still a distinct possibility that as a female, you will be alone for some portion of your senior years.  Just walk through any retirement community and it is easy to see …

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