Lumina Financial Consultants

Lumina Financial Consultants

Female owned and operated investment advisory firm.

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Lumina Financial Consultants

retirement planning

Tips for Targeting Your Retirement Savings Goal

Tips for Targeting Your Retirement Savings Goal

What if you’re saving as much as you can, but still feel that your retirement savings goal is out of reach? As with many of life’s toughest challenges, it may help to focus less on the big picture and more on the details.

Jean Schwarz January 22, 2020January 22, 2020 Commentary Read more

Four Points to Consider When Setting a Retirement Income Goal

Four Points to Consider When Setting a Retirement Income Goal

No matter what your age or stage of life, targeting a goal for monthly retirement income can seem like a daunting task. Following are four considerations to help you get started.

Jean Schwarz October 9, 2018February 12, 2019 Financial Planning, Retirement Planning Read more

Qualified Longevity Annuity: Income Protection for a Long Life

As life expectancies increase, longevity risk–the risk of outliving retirement savings–is a concern for a growing number of people. In response, recent federal regulations created qualified longevity annuity contracts (QLACs), which are accessible through employer-sponsored plans, such as 401(k)s and

Jean Schwarz May 20, 2015May 22, 2015 Retirement Planning Read more

Points to Consider If Your Retirement Goal Seems Out of Reach

Each year in its annual Retirement Confidence Survey, the Employee Benefit Research Institute reiterates that goal setting is a key factor influencing overall retirement confidence. But for many, a retirement savings goal that could reach $1 million or more may

Jean Schwarz May 20, 2015May 22, 2015 Commentary, Retirement Planning Read more

Retirement Withdrawal Rates

During your working years, you’ve probably set aside funds in retirement accounts such as IRAs, 401(k)s, and other workplace savings plans, as well as in taxable accounts. Your challenge during retirement is to convert those savings into an ongoing income

Jean Schwarz May 20, 2015May 22, 2015 Commentary, Retirement Planning Read more

Points to Consider If Your Retirement Goal Seems Out of Reach

Each year in its annual Retirement Confidence Survey, the Employee Benefit Research Institute reiterates that goal setting is a key factor influencing overall retirement confidence. But for many, a retirement savings goal that could reach $1 million or more may

Jean Schwarz March 6, 2015March 12, 2015 Commentary, Retirement Planning Read more

The Cost of Waiting

Starting to save early means your money has more time to go to work for you. Even if you can only afford to set aside small amounts, compounding earnings can make them really add up. It’s never too late to

Jean Schwarz March 6, 2015March 6, 2015 Commentary, Financial Planning, Retirement Planning Read more

How Much Money Do You Need For Retirement?

How Much Money Do You Need For Retirement?

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Jean Schwarz September 24, 2014March 6, 2015 Commentary, Retirement Planning Read more

Retirement Plans for Small Businesses

If you are self-employed or own a small business and you haven’t established a retirement savings plan, what are you waiting for? A retirement plan can help you and your employees save for the future. Tax advantages A retirement plan can

Jean Schwarz August 15, 2014March 6, 2015 Retirement Planning Read more

GAO Report Reveals Why People Claim Social Security Benefits Early

Why would people choose to claim Social Security retirement benefits at the earliest possible age of 62, rather than waiting until their full retirement age (66 to 67 for anyone born in 1943 or later), when doing so would reduce

Jean Schwarz August 6, 2014March 6, 2015 Commentary, Retirement Planning Read more
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(415) 944-5040
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(914) 303-6325
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(703) 740-1128

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Lumina Financial Consultants, LLC only conducts business in jurisdictions where licensed, registered, or where an applicable registration exemption or exclusion exists. Information contained herein is not intended for persons in any jurisdiction where such distribution or use would be contrary to the laws or regulations of that jurisdiction, or which would subject Lumina Financial Consultants LLC to any unintended registration requirements. The information provided is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. The types of securities and investment strategies mentioned may not be suitable for everyone. Each investor should evaluate investments and financial strategies based on his or her own particular situation. The information is not intended to provide tax, legal or investment advice. The information herein is developed by a third-party provider which we deem to be reliable; however, we cannot guarantee its accuracy. The information is subject to change at any time and without notice. © 2023 Lumina Financial Consultants