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Kiely Capital Management
Bernie and Yvonne Kiely
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   Call Kiely Capital Today 973-455-1894 973-455-1894

Bernie's Frequently Asked Questions

Retirement

  • Should I take early retirement, or am I making a terrible mistake?
  • Can I afford to retire, or should I work for a few more years?
  • Should I begin receiving Social Security as soon as I am eligible or should I wait?
  • At what rate can I spend my savings so that I don't have to cut back later in retirement?
  • If I work part-time during retirement, will it make a big difference?

401(k) Plans and Pensions

  • What should I do with my 401(k) Plan?
  • Should I convert my IRA or 401(k) to a Roth IRA?
  • If an enhanced pension is available until I am eligible for Social Security, should I take it?
  • Should I take my pension in a lump sum or as a monthly annuity?
  • Should a monthly annuity be over my life, both myself and my spouse's life, or term-certain?
  • When am I required to begin withdrawals from my IRA account? Should distributions be over my life or both myself and my spouse's life? Is the term-certain or the recalculation method better for us?

Investments

  • How should my savings be invested so I won't run out of money?
  • Should I pay off my home mortgage now that I am retiring?
  • Should I keep my house or should I move to a smaller place?
  • What should I do with my unexercised stock options from work?

Standards of Living

  • What will inflation do to my standard of living while I am retired?
  • How will my spending patterns change throughout my retirement?
  • Will I be able to afford to buy a new car from time to time when I am retired?
  • What effect would moving to a less expensive part of the country have on my standard of living?
  • Will I be able to afford to make sizeable gifts of money to my children, or will I regret it later?

Insurance

  • What should I do with my life insurance during retirement?
  • If my spouse or I required a prolonged period of nursing home care, would we be able to afford to keep the house and our standard of living?
  • Can I self-insure for long-term health care or should I buy insurance for all or part?
       

 
 
Phone: 973-455-1894 | 51 Dumont Place, Morristown, NJ 07960 | Get directions!

Kiely Capital Management offers financial planning and investment advice. Serving Central and Northern New Jersey, Yvonne and Bernard (Bernie) Kiely provide over 25 years of experience offering discretionary asset management, retirement planning and income tax preparation. KCM is registered with the State of New Jersey as a Registered Investment Advisor.

“The only thing we sell is good advice.”

 

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