Joanne Reilly

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Meet the blogger

Financial adviser Joanne Reilly, CFP ® , CDFA™, APMA ® (Joanne Reilly and Associates) is a Certified Financial Planner with more than 30+ years of successful experience helping her clients to build exciting futures as well as weather unexpected circumstances. In addition to holding the CFP designation, she also holds the CDFA (Certified Divorce Financial Analyst designation) as well as the APMA (Accredited Portfolio Management Advisor) designation. Joanne, affiliated with Ameriprise and based in Boston, MA, is licensed to practice in multiple states throughout the country (N, S, E, W, as well as the mid-section). A graduate of Smith College, her previous positions included Bank of America (Senior Vice President, Investments and Insurance). As an After-Fiftier, she loves Boston – but also enjoys travel, time with friends and family, tennis, music and the fine arts. She also makes time for an important priority in her life: The Haven Project. The Haven Project is a growing non-profit organization assisting the needs of homeless young adults on the north shore of Boston. Their mission? EQUIP and EMPOWER the growing population of unaccompanied and at-risk young adults ages 17-24 in the geographical area with the skills and support they need to achieve their life's purpose. Visit Joanne on her website at Joanne Reilly and Associates, on Facebook and on Linkedin.

Social Security: How to Plan Around Uncertainty

Key Points ****************** Americans are not confident in Social Security solvency, according to new research Benefit amounts can vary greatly based on the age that you begin collecting Legislative standoff could make other sources of retirement income more crucial ******************* Social Security has been serving as a safety net for over 80 ...Read More

Want An Early Retirement? 3 Key Questions – and Some Tips

Key Points Whether you want to pursue old passions and new hobbies, travel the world, or spend more time with family, many of us dream about an early retirement. The amount of money you will need to retire early depends on your goals, lifestyle and a range of other factors. There are emotional and financial components to planning for an early retir...Read More

Reduce Your Health Care Costs: 6 Great Tips!

Key Points Medical costs typically go up as you age and can account for a large portion of your overall expenses in retirement. There are many health-care related expenses that are not covered by Medicare or Medicaid. Your health and wealth can be closely tied – especially when it comes to planning for retirement. The actions you take now (at any a...Read More

Your Home Mortgage: Think Carefully

Key Points If you have extra funds left over after your expenses are paid each month, weigh your options carefully before deciding whether to pay extra on your mortgage or invest more in the market. In addition to weighing interest rates vs potential returns on investments, consider how near or far you are from retirement and how much time you have...Read More

Long-Term Care Insurance: Pros, Cons and Why It Matters

Key Points Long-term care insurance costs can be managed by adjusting your daily benefit levels. Costs vary by location, so it’s best to get local estimates and determine what benefits you may need. New hybrid insurance products can help you or your family benefit from the policy regardless of whether you use the long-term care coverage or not. Lon...Read More

Happy Couples – Their Top 5 Money Habits!

What are the secrets of financially happy couples? The Ameriprise study on couples and money provides some interesting answers. Key Points Most couples agree on money, but those who are not in tune financially tend to have issues communicating on financial matters. While the majority of couples have different money management styles, two-thirds hav...Read More

4 Tips: How To Pay for College

Key Points Student debt of over $1 trillion has surpassed credit card debt in the United States. When it comes to saving and paying for college, be patient and be realistic about what you can expect from financial aid. Start early and consider signing up for tax-advantaged accounts to make the most of your college savings. It doesn’t matter i...Read More

Prevent Tax ID Theft – Here’s Your Checklist!

Key Points The IRS estimates that it paid $3.1 billion in fraudulent identity theft refunds in 2014. Identity thieves can use your information to file fraudulent returns in your name while they pocket the return. Get your personal identification number (PIN) early and keep your paperwork secure to help prevent your personal financial information fr...Read More

Make Your Retirement Savings Last! 3 Steps

You’ve worked hard and saved for the future — now you need to make sure your savings last the rest of your life. By understanding the risks you face, you can make smart choices about how much to withdraw and how to handle unexpected financial challenges. The financial implications of a long life According to the National Center for Health Sta...Read More

The Family Money Talk – Tips & How-To’s

Do you feel uncomfortable discussing topics such as life insurance needs, health care costs and education financing with your parents, your kids or even your siblings? If so, you’re not alone. According to a new Ameriprise Financial study, the majority of Americans approach family money talks with a similar sense of apprehension. But many of them f...Read More

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