Viking Magazine - September 2020 - 11

restaurants or going to the movies-
and adjusting those spending habits
as needed.
" If you truly want to maintain that
lifestyle, you need to know, inside
and out, what your budget is and
how much money you spend, " says
Roedel, who suggests utilizing mobile
tools from your bank, many of which
offer spending reports and analyses.
Equally important at this stage is
thinking about Medicare and Social
Security. Even if you don't plan to
start claiming as soon as you retire-
which we'll talk about next-you can
begin researching which of the 567
filing methods (yes, really) will best
maximize your benefits.
3
Years Out
The earliest you can
start collecting Social
Security is age 62,
but the closer you get
to 70 before filing,
the greater your benefits will be. Three
years before retiring, formulate a plan
for how you're going to bridge that
gap, if you choose to wait.
" Let's say you want to retire at 65,
but you don't want to draw Social
Security until 70-what are you
going to do for those five years? " says
Roedel. " This is a perfect opportunity
to turn on an income stream from a
Sons of Norway annuity. "
Of course, retirement isn't just
about living check-to-check. After a
For a
complimentary
consultation with
your Sons of
Norway Insurance
Professional, visit
sonsofnorway.com.
lifetime of work, you deserve to enjoy
your post-career years. Whether it's a
vacation, home remodeling or a new
car, it's OK to spoil yourself-just
plan ahead to ensure your debt is paid
off and to avoid overspending, which
people tend to do in the first three years
of retirement, says Roedel.
" Think about big decisions or big
goals for retirement: an African safari, a
sailboat, a trip to Europe for a month, "
he says. " You want to think, 'OK, if I
want to do this, how much is it going to
cost? Let's set aside some of that. "
1
Year Out
As you're about to
cross the finish line
into retirement, get
ready to tie up loose
ends. If you'll lose life
Did You Know?
An annuity is a contract between you and an insurance company
that provides a guaranteed annual rate of return in exchange for your
deposit, so you never lose money. Sons of Norway offers four annuity
products with immediate and deferred payout options to help fund your
retirement, along with perks like tax deferral and free withdrawals.
Sons of Norway, 1455 West Lake Street, Minneapolis, MN, offers financial products, but not all products are
available in all states. Products issued by Sons of Norway are available to applicants who meet membership,
insurability and residency requirements.
insurance benefits from your employer,
consider enrolling in a Sons of Norway
certificate to keep coverage in place.
Now is also the time to work with
your Sons of Norway Insurance
Professional or a financial advisor who
specializes in decumulation strategies
to start consolidating your retirement
accounts.
" When advisors meet with their
clients, they often don't know how
many accounts they have, " says Roedel.
" Where is your money? Is it qualified? Is
it not qualified? You need to know your
financial makeup and start consolidating
accounts into that pool that you can
draw down on. "
sonsofnorway.com VIKING SEPTEMBER 2020 11
http://www.sonsofnorway.com http://www.sonsofnorway.com

Viking Magazine - September 2020

Table of Contents for the Digital Edition of Viking Magazine - September 2020

Contents
Viking Magazine - September 2020 - Cover1
Viking Magazine - September 2020 - Cover2
Viking Magazine - September 2020 - Contents
Viking Magazine - September 2020 - 4
Viking Magazine - September 2020 - 5
Viking Magazine - September 2020 - 6
Viking Magazine - September 2020 - 7
Viking Magazine - September 2020 - 8
Viking Magazine - September 2020 - 9
Viking Magazine - September 2020 - 10
Viking Magazine - September 2020 - 11
Viking Magazine - September 2020 - 12
Viking Magazine - September 2020 - 13
Viking Magazine - September 2020 - 14
Viking Magazine - September 2020 - 15
Viking Magazine - September 2020 - 16
Viking Magazine - September 2020 - 17
Viking Magazine - September 2020 - 18
Viking Magazine - September 2020 - 19
Viking Magazine - September 2020 - 20
Viking Magazine - September 2020 - 21
Viking Magazine - September 2020 - 22
Viking Magazine - September 2020 - 23
Viking Magazine - September 2020 - 24
Viking Magazine - September 2020 - 25
Viking Magazine - September 2020 - 26
Viking Magazine - September 2020 - 27
Viking Magazine - September 2020 - 28
Viking Magazine - September 2020 - 29
Viking Magazine - September 2020 - 30
Viking Magazine - September 2020 - 31
Viking Magazine - September 2020 - 32
Viking Magazine - September 2020 - 33
Viking Magazine - September 2020 - 34
Viking Magazine - September 2020 - 35
Viking Magazine - September 2020 - 36
Viking Magazine - September 2020 - 37
Viking Magazine - September 2020 - 38
Viking Magazine - September 2020 - Cover3
Viking Magazine - September 2020 - Cover4
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