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	<title>Maximizing Retirement Readiness</title>
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	<description>Musings from the mountains at Integrity Financial Planning</description>
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		<title>Maximizing Retirement Readiness</title>
		<link>http://integrityplanner.wordpress.com</link>
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		<title>Investment Risk for Retirees</title>
		<link>http://integrityplanner.wordpress.com/2013/04/03/investment-risk-for-retirees/</link>
		<comments>http://integrityplanner.wordpress.com/2013/04/03/investment-risk-for-retirees/#comments</comments>
		<pubDate>Thu, 04 Apr 2013 03:06:25 +0000</pubDate>
		<dc:creator>Mike Wilson</dc:creator>
				<category><![CDATA[Retirement Wealth]]></category>
		<category><![CDATA[annuity]]></category>
		<category><![CDATA[investment]]></category>
		<category><![CDATA[IRA]]></category>
		<category><![CDATA[paycheck]]></category>
		<category><![CDATA[retiree]]></category>
		<category><![CDATA[retirement readiness]]></category>
		<category><![CDATA[reverse mortgage]]></category>

		<guid isPermaLink="false">http://integrityplanner.wordpress.com/?p=526</guid>
		<description><![CDATA[In our ongoing series on risks faced by a retiree, this time we want to talk about “investment risk.” When we’re saving for retirement while working, we hopefully never have to sell a retirement investment to generate income. We’re working &#8230; <a href="http://integrityplanner.wordpress.com/2013/04/03/investment-risk-for-retirees/">Continue reading <span class="meta-nav">&#8594;</span></a><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=integrityplanner.wordpress.com&#038;blog=27710284&#038;post=526&#038;subd=integrityplanner&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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		<title>Retirees and Legislation Changes</title>
		<link>http://integrityplanner.wordpress.com/2013/03/19/retirees-and-legislation-changes/</link>
		<comments>http://integrityplanner.wordpress.com/2013/03/19/retirees-and-legislation-changes/#comments</comments>
		<pubDate>Wed, 20 Mar 2013 03:06:45 +0000</pubDate>
		<dc:creator>Mike Wilson</dc:creator>
				<category><![CDATA[Retirement Wealth]]></category>
		<category><![CDATA[Income tax]]></category>
		<category><![CDATA[income tax rate]]></category>
		<category><![CDATA[Medicare]]></category>
		<category><![CDATA[retirement readiness]]></category>
		<category><![CDATA[Social Security]]></category>
		<category><![CDATA[Social Security Trust Fund]]></category>
		<category><![CDATA[Tax rate]]></category>

		<guid isPermaLink="false">http://integrityplanner.wordpress.com/?p=524</guid>
		<description><![CDATA[In our ongoing series on risks faced by a retiree, this time I want to talk about “legislative risk.” (I suppose if you wanted to be more cynical, you could call it “political risk,” but I digress.) Legislative risk describes &#8230; <a href="http://integrityplanner.wordpress.com/2013/03/19/retirees-and-legislation-changes/">Continue reading <span class="meta-nav">&#8594;</span></a><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=integrityplanner.wordpress.com&#038;blog=27710284&#038;post=524&#038;subd=integrityplanner&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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		<title>Retirees and Interest Rates</title>
		<link>http://integrityplanner.wordpress.com/2013/03/11/retirees-and-interest-rates/</link>
		<comments>http://integrityplanner.wordpress.com/2013/03/11/retirees-and-interest-rates/#comments</comments>
		<pubDate>Tue, 12 Mar 2013 04:03:59 +0000</pubDate>
		<dc:creator>Mike Wilson</dc:creator>
				<category><![CDATA[Retirement Wealth]]></category>
		<category><![CDATA[annuity]]></category>
		<category><![CDATA[bond]]></category>
		<category><![CDATA[Fixed income]]></category>
		<category><![CDATA[Interest rate]]></category>
		<category><![CDATA[Mutual fund]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[retirement readiness]]></category>
		<category><![CDATA[reverse mortgage]]></category>

		<guid isPermaLink="false">http://integrityplanner.wordpress.com/?p=522</guid>
		<description><![CDATA[In our ongoing series of risks faced by retirees, we turn our attention to interest rate risk this time. Interest rate risk affects both the investments and the income of retirees. On the investment side, when interest rates rise, bond &#8230; <a href="http://integrityplanner.wordpress.com/2013/03/11/retirees-and-interest-rates/">Continue reading <span class="meta-nav">&#8594;</span></a><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=integrityplanner.wordpress.com&#038;blog=27710284&#038;post=522&#038;subd=integrityplanner&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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		<title>When To Start Taking Social Security</title>
		<link>http://integrityplanner.wordpress.com/2013/03/05/when-to-start-taking-social-security/</link>
		<comments>http://integrityplanner.wordpress.com/2013/03/05/when-to-start-taking-social-security/#comments</comments>
		<pubDate>Wed, 06 Mar 2013 02:21:37 +0000</pubDate>
		<dc:creator>Mike Wilson</dc:creator>
				<category><![CDATA[Retirement Wealth]]></category>
		<category><![CDATA[benefit]]></category>
		<category><![CDATA[full retirement age]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[retirement readiness]]></category>
		<category><![CDATA[Social Security]]></category>
		<category><![CDATA[Social Security Administration]]></category>

		<guid isPermaLink="false">http://integrityplanner.wordpress.com/?p=519</guid>
		<description><![CDATA[For all retirees, one decision you have to make is when to start your Social Security (SS) retirement benefits. You would think that would be pretty basic, but we do have the federal government involved here. Here are some of &#8230; <a href="http://integrityplanner.wordpress.com/2013/03/05/when-to-start-taking-social-security/">Continue reading <span class="meta-nav">&#8594;</span></a><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=integrityplanner.wordpress.com&#038;blog=27710284&#038;post=519&#038;subd=integrityplanner&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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		<title>Bridging the Gap in Retirement</title>
		<link>http://integrityplanner.wordpress.com/2013/02/26/bridging-the-gap-in-retirement/</link>
		<comments>http://integrityplanner.wordpress.com/2013/02/26/bridging-the-gap-in-retirement/#comments</comments>
		<pubDate>Wed, 27 Feb 2013 05:04:11 +0000</pubDate>
		<dc:creator>Mike Wilson</dc:creator>
				<category><![CDATA[Retirement Happiness]]></category>
		<category><![CDATA[bridge job]]></category>
		<category><![CDATA[Employment]]></category>
		<category><![CDATA[health]]></category>
		<category><![CDATA[retiree]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[retirement readiness]]></category>
		<category><![CDATA[working in retirement]]></category>

		<guid isPermaLink="false">http://integrityplanner.wordpress.com/?p=517</guid>
		<description><![CDATA[Nowadays, many retirees (or soon to be retirees) want to work to some degree in their retirement years. These so-called &#8220;bridge jobs&#8221; can serve many purposes, such as the need for income, the social aspects of a workplace, or perhaps &#8230; <a href="http://integrityplanner.wordpress.com/2013/02/26/bridging-the-gap-in-retirement/">Continue reading <span class="meta-nav">&#8594;</span></a><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=integrityplanner.wordpress.com&#038;blog=27710284&#038;post=517&#038;subd=integrityplanner&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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		<title>Retirees and Risky Business</title>
		<link>http://integrityplanner.wordpress.com/2013/02/19/retirees-and-risky-business/</link>
		<comments>http://integrityplanner.wordpress.com/2013/02/19/retirees-and-risky-business/#comments</comments>
		<pubDate>Wed, 20 Feb 2013 02:33:02 +0000</pubDate>
		<dc:creator>Mike Wilson</dc:creator>
				<category><![CDATA[Retirement Wealth]]></category>
		<category><![CDATA[retirement readiness]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[risk]]></category>
		<category><![CDATA[company stock]]></category>
		<category><![CDATA[Medicare]]></category>
		<category><![CDATA[Enron]]></category>
		<category><![CDATA[business risk]]></category>

		<guid isPermaLink="false">http://integrityplanner.wordpress.com/?p=515</guid>
		<description><![CDATA[To continue our series on different types of risks faced by today&#8217;s retirees, we need to also spend some time talking about &#8220;business risk.&#8221; In our context, business risk simply means that a company you rely on for some form &#8230; <a href="http://integrityplanner.wordpress.com/2013/02/19/retirees-and-risky-business/">Continue reading <span class="meta-nav">&#8594;</span></a><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=integrityplanner.wordpress.com&#038;blog=27710284&#038;post=515&#038;subd=integrityplanner&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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		<title>Losing a Spouse While in Retirement</title>
		<link>http://integrityplanner.wordpress.com/2013/02/12/losing-a-spouse-while-in-retirement/</link>
		<comments>http://integrityplanner.wordpress.com/2013/02/12/losing-a-spouse-while-in-retirement/#comments</comments>
		<pubDate>Wed, 13 Feb 2013 04:06:50 +0000</pubDate>
		<dc:creator>Mike Wilson</dc:creator>
				<category><![CDATA[Retirement Wealth]]></category>
		<category><![CDATA[annuity]]></category>
		<category><![CDATA[death]]></category>
		<category><![CDATA[Pension]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[retirement readiness]]></category>
		<category><![CDATA[Social Security]]></category>
		<category><![CDATA[Widow]]></category>

		<guid isPermaLink="false">http://integrityplanner.wordpress.com/?p=513</guid>
		<description><![CDATA[In our ongoing series on retirement risks and challenges, married retirees must also deal with handling the loss of a spouse. From a personal standpoint, the death of a lifelong partner is a major loss psychologically and emotionally to the &#8230; <a href="http://integrityplanner.wordpress.com/2013/02/12/losing-a-spouse-while-in-retirement/">Continue reading <span class="meta-nav">&#8594;</span></a><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=integrityplanner.wordpress.com&#038;blog=27710284&#038;post=513&#038;subd=integrityplanner&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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		<title>Fighting Inflation in Retirement</title>
		<link>http://integrityplanner.wordpress.com/2013/02/05/fighting-inflation-in-retirement/</link>
		<comments>http://integrityplanner.wordpress.com/2013/02/05/fighting-inflation-in-retirement/#comments</comments>
		<pubDate>Wed, 06 Feb 2013 02:24:09 +0000</pubDate>
		<dc:creator>Mike Wilson</dc:creator>
				<category><![CDATA[Retirement Wealth]]></category>
		<category><![CDATA[inflation]]></category>
		<category><![CDATA[IRA]]></category>
		<category><![CDATA[Mutual fund]]></category>
		<category><![CDATA[Purchasing power]]></category>
		<category><![CDATA[Real estate]]></category>
		<category><![CDATA[retirement readiness]]></category>
		<category><![CDATA[Social Security]]></category>

		<guid isPermaLink="false">http://integrityplanner.wordpress.com/?p=510</guid>
		<description><![CDATA[Last week we talked about longevity risk, which for retirees basically means outliving your money. Another risk that quietly creeps in during the retirement years is inflation. You may also hear this called &#8220;purchasing power risk,&#8221; and it essentially means &#8230; <a href="http://integrityplanner.wordpress.com/2013/02/05/fighting-inflation-in-retirement/">Continue reading <span class="meta-nav">&#8594;</span></a><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=integrityplanner.wordpress.com&#038;blog=27710284&#038;post=510&#038;subd=integrityplanner&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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		<title>Retirees Can Avoid Running Out of Money</title>
		<link>http://integrityplanner.wordpress.com/2013/01/29/retirees-can-avoid-running-out-of-money/</link>
		<comments>http://integrityplanner.wordpress.com/2013/01/29/retirees-can-avoid-running-out-of-money/#comments</comments>
		<pubDate>Wed, 30 Jan 2013 04:11:19 +0000</pubDate>
		<dc:creator>Mike Wilson</dc:creator>
				<category><![CDATA[Retirement Wealth]]></category>
		<category><![CDATA[annuity]]></category>
		<category><![CDATA[Life expectancy]]></category>
		<category><![CDATA[Longevity]]></category>
		<category><![CDATA[Pension]]></category>
		<category><![CDATA[retirement readiness]]></category>
		<category><![CDATA[reverse mortgage]]></category>
		<category><![CDATA[Social Security]]></category>

		<guid isPermaLink="false">http://integrityplanner.wordpress.com/?p=508</guid>
		<description><![CDATA[Retirees face a wide variety of risks during the &#8220;golden years.&#8221; One of the biggest challenges is making sure you don&#8217;t outlive your money (also known as &#8220;longevity risk&#8221;). If we knew in advance when we were going to die, &#8230; <a href="http://integrityplanner.wordpress.com/2013/01/29/retirees-can-avoid-running-out-of-money/">Continue reading <span class="meta-nav">&#8594;</span></a><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=integrityplanner.wordpress.com&#038;blog=27710284&#038;post=508&#038;subd=integrityplanner&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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		<title>The 4 x 14 Portfolio™ Updated with 2012 Performance Data</title>
		<link>http://integrityplanner.wordpress.com/2013/01/21/the-4-x-14-portfolio-updated-with-2012-performance-data/</link>
		<comments>http://integrityplanner.wordpress.com/2013/01/21/the-4-x-14-portfolio-updated-with-2012-performance-data/#comments</comments>
		<pubDate>Mon, 21 Jan 2013 21:58:14 +0000</pubDate>
		<dc:creator>Mike Wilson</dc:creator>
				<category><![CDATA[Retirement Wealth]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[403b]]></category>
		<category><![CDATA[Asset allocation]]></category>
		<category><![CDATA[diversification]]></category>
		<category><![CDATA[investment]]></category>
		<category><![CDATA[investment mix]]></category>
		<category><![CDATA[IRA]]></category>
		<category><![CDATA[rate of return]]></category>
		<category><![CDATA[retirement readiness]]></category>

		<guid isPermaLink="false">http://integrityplanner.wordpress.com/?p=498</guid>
		<description><![CDATA[A Hassle-Free, Well-Balanced Investment Strategy for:            IRA Investors           401k and 403b Savers           Retirees Who Need Retirement Income The 4 × 14 Retirement Portfolio™ One of the most important decisions to make as a retirement investor is the &#8230; <a href="http://integrityplanner.wordpress.com/2013/01/21/the-4-x-14-portfolio-updated-with-2012-performance-data/">Continue reading <span class="meta-nav">&#8594;</span></a><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=integrityplanner.wordpress.com&#038;blog=27710284&#038;post=498&#038;subd=integrityplanner&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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		<media:content url="http://integrityplanner.files.wordpress.com/2012/01/4-x-14-overview.png" medium="image">
			<media:title type="html">4 x 14 Overview</media:title>
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		<media:content url="http://integrityplanner.files.wordpress.com/2012/01/4-x-14-percentages.png" medium="image">
			<media:title type="html">4 x 14 Percentages</media:title>
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		<media:content url="http://integrityplanner.files.wordpress.com/2013/01/accumulation.png" medium="image">
			<media:title type="html">Accumulation</media:title>
		</media:content>

		<media:content url="http://integrityplanner.files.wordpress.com/2013/01/portfolios-compared.png" medium="image">
			<media:title type="html">Portfolios Compared</media:title>
		</media:content>

		<media:content url="http://integrityplanner.files.wordpress.com/2013/01/lost-decade.png" medium="image">
			<media:title type="html">Lost Decade</media:title>
		</media:content>

		<media:content url="http://integrityplanner.files.wordpress.com/2013/01/distribution.png" medium="image">
			<media:title type="html">Distribution</media:title>
		</media:content>

		<media:content url="http://integrityplanner.files.wordpress.com/2013/01/year-end-distribution.png" medium="image">
			<media:title type="html">Year End Distribution</media:title>
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