Working in retirement

Now that the average 65-year-old can expect to live well into his or her 80s, the traditional retirement years have become the springboard for new journeys.

Keep in mind:

Understand potential "startup costs"
Consider capital costs — It may be harder to get a business loan after you retire
Relocate with an eye toward your work life
Rethink when you take Social Security

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Managing cash flow in retirement

These planning moves can help you live within your means and make adjustments in response to changes in income and expenses.

How to earn money from a hobby or skill

Could your passion pay in retirement? Ask yourself these questions.

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Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.

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Investing in securities involves risks, and there is always the potential of losing money when you invest in securities.

Asset allocation, diversification, and rebalancing do not ensure a profit or protect against loss in declining markets.

Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.

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