How much do you think it costs to retire?

One recent study pegged the average price tag of retirement at about $740,000. This number seeks to include all of your expenses, from health care and housing costs to travel and entertainment expenses.

Its a big number, but its important to remember that this is just an average. The reality is and this is certainly what weve seen in our experience is that the cost of retirement will vary wildly from person to person.

There are a number of factors that will affect how much your retirement will cost, including how healthy you are, how expensive your lifestyle will be and where youll live in retirement.

Perhaps the most important factor that will dictate how much youll need to save for retirement is the age at which you retire. The earlier you retire, the longer your retirement will be and, therefore, the more expensive your retirement will be. Depending on how early you want to retire and what your goals are for retirement, this could mean youll be tasked with accumulating a significant number in savings before you retire.

For those who are working toward an early retirement, here are four tips to help you reach your goal.

Those retiring early face two big hurdles when it comes to saving for retirement. First, you have fewer years to accumulate enough in savings for retirement. Second, you need your savings to last for a longer period of time. This means you need to save aggressively during your working years. A common rule of thumb is to save 10 to 15 percent annually for retirement. For those saving for early retirement, a better goal may be to save at least 15 to 20 percent of your income every year.

There is a tendency for peoples costs of living to increase as their income increases during their lifetimes. This is known as lifestyle creep. That doesnt necessarily mean that you have to keep your cost of living flat from year to year. Imagine youre making $50,000 and are saving 20% of your income ($10,000 in savings). If you get a $5,000 raise, continue to strive to save 20% of income. Youll increase the amount youre saving for retirement ($11,000) while also having $4,000 in additional income for lifestyle expenses.

Life is a series of ups and down. You may not be able to prevent the downs from occurring, but you can take steps to limit their impact. A diversified portfolio may help you withstand a major market downturn. Purchasing good disability insurance helps protect your or your partners income should either of you be no longer able to work. Having a strong emergency fund gives you the flexibility to pay for a sudden expense. Having these in place helps limit how vulnerable you are to these risks derailing your financial plan.

A couple retiring at age 65 will need to spend about $260,000 on health care expenses in retirement, according to Fidelity. Its a daunting number, and its even larger for those who are retiring early.

The best way to save for these costs is with a health savings account. An HSA allows you to make pre-tax contributions that grow tax-deferred. Plus, when you use the money for qualified medical expenses, the distributions arent taxed. No other vehicle offers so many tax incentives, which is why we typically advise people to max out an HSA if theyre eligible to contribute (you must be enrolled in a qualifying high-deductible health plan).

Even though we wrote these tips with those working toward an early retirement in mind, the reality is that these strategies may be important for everyone to consider, no matter when you plan to retire. Yet for those who want to retire early, its even more critical you have these elements in place to help work toward turning your dream of early retirement into reality.

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.

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Your Money: Dreaming of an early retirement? Here's how you can prepare - TwinCities.com-Pioneer Press

Summer vacation is the time to relax with family, reconnect with friends and make new memories for both the young and the old.

For Baby Boomers near or in retirement, this halfway point to the end of the year is also a great time to re-evaluate your financial portfolio to assure you are meeting your goals (and make tweaks if you are not).

Hitting the halfway point of the year is a great time to give your finances a check-up, says Christine G. Russell, senior manager of retirement and annuities for TD Ameritrade. Investors who get into the habit of reevaluating their investments mid-year have the opportunity to make necessary adjustments and be better prepared heading into the second half of the year.

Russell discussed with FOX Business what you need to know about conducting a mid-year financial check-up.

Boomer:What should I be doing to maximize the potential interest on my savings account?

Russell:Interest rates are still at historic lows in the aftermath of the financial crisis. While some borrowers have benefited from low interest rates on mortgages and auto loans, savers have been grappling with rates well below one percent. If you already have a sufficient emergency fund and are saving for something further down the road, it may make sense to consider a diversified portfolio of investments that suits your time horizon and risk tolerance.

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Boomer:Should I update my W-4?

Russell: Those who have had a major event occur in their lives since the beginning of the year, such as a marriage, divorce, or newborn child, should update their W-4 form. Similarly, it may be beneficial to update a W-4 if an individual decides to take on a second job to earn some extra cash. Events like these will impact an individuals taxes when they file their 2017 returns next year. While some people grow accustomed to receiving a refund each spring, experiencing a life change can cause and individual to owe money come April. However, those who have qualified for additional deductions can see the size of their refund increase, leaving them with a fatter check. It is important to be proactive about your tax filings to avoid the surprise of owing Uncle Sam money or being forced to wait for a large refund when you could have been seeing that money in your paycheck.

Boomer:Is it important to review my credit report mid-year?

Russell: Yes. Checking your credit report provides important benefits for individuals. Monitoring your credit report regularly will allow you to check your financial progress, spot possible discrepancies and even find instances of identity theft. It is important for individuals to stay informed of changes to their credit report and monitor their credit history so they can work to improve their score during the remainder of the year or contact the credit bureau if there are potential issues before they become major problems. Mistakes and fraud both happen. Stay alert.

Boomer:If I am not meeting my New Years financial expectations what changes should I make?

Russell:Now is the time to revamp your 2017 financial strategy if it is not going the way you had hoped. With half of the year remaining, there is still time to catch-up to meet your end-of-year goals. Revisiting expectations and tracking your financial progress can motivate you to put in the extra effort over the next few months. It is also valuable to check-in on investments and reassess risk tolerance from the beginning of the year. By doing this, an individual will have a better understanding of their finances and have the opportunity to turn their year around.

Here are some specific considerations:

First do you really have a plan based on your household needs? If you have a realistic plan, then why are you not meeting your goals? There may be a good reason you did not meet expectations, and no changes are necessary. Or you may need to update your plan with more realistic expectations. A good financial plan can provide a framework for making changes when they are needed, rather than when emotions may be driving arbitrary changes. If you have no plan, not meeting your expectations can be a key indicator that you need to work on a more detailed household financial plan.

Second, in reviewing your plan have you captured your risk tolerance correctly? Is your portfolio diversified enough, when you consider your risk tolerance, time horizon, and goals?Remember to consider all assets, not just 401(k) or IRA accounts.

Third, consider your goals thoroughly; not just performance goals, but risk protection and estate planning goals. You may be willing to give up some investment performance today for a sustainable income in retirement. And lets face it, supporting your quality of life in retirement is usually the goal for long term savings, isnt it?

To sum it up, remember to look at the big picture when evaluating your financial expectations.

More:
Summer retirement checkup for Baby Boomers: Are you on track? - Fox Business

The myRA program was deemed a conservative way to save and tailored for people who were not accustomed to investing in the markets because account holders could not lose money. The funds were invested in United States Treasury savings bonds, which paid the same variable rate as the Government Securities Fund, available to federal employees through the government retirement plan.

There was not a minimum deposit or a fee. But the maximum workers could save was only $15,000. At that point the balance would be rolled over to a private-sector retirement account, perhaps a more traditional portfolio of stocks and bonds.

Mark Iwry, the chief architect of the program that was built over nearly six years while he served as senior adviser to the Treasury secretary during the Obama administration, said it had been designed to have many uses over time. Besides being a safe way to introduce people to saving for retirement, it was expected to serve as a key investment option within some state-run retirement programs geared to the tens of millions of people without access to employer-sponsored plans that are in the process of being created.

The program was also seen as a place to direct a portion of a tax refund, and as a bucket of sorts that could be used to capture the small sums that are automatically rolled over by employers from larger 401(k) plans when workers change jobs.

The decision to cancel the myRA in its introductory phase reflects a fundamental misunderstanding of its purposes and potential as a long-term investment in working families economic security and financial independence, Mr. Iwry said. There are several legitimate ways to assess a programs costs and benefits prematurely is not one of them.

The closing of myRA is the latest step taken by the Trump administration to reverse Obama-era savings initiatives and investor protections. In his first month in office, President Trump requested the review of a rule that requires brokers to put their customers interest first when handling their retirement money. He later signed a joint resolution that reversed a rule that would have made it easier for states to create their own retirement savings programs.

Several states including California, Illinois and Oregon are moving ahead anyway. And while some states had plans to include myRA as a safe investment alternative, that will no longer be an option.

The program offers a really good solution, said Tobias Read, state treasurer of Oregon, which is running a pilot of its retirement savings plan this month and had expected to use myRA as its capital preservation alternative. Without it, we will be forced to look at other options, which frankly arent as good for that purpose.

On July 14, a group of Democrats in Congress wrote a letter to Steven Mnuchin, the Treasury secretary, asking that his department demonstrate its support for the myRA program.

Given that this administration has worked to reduce access to retirement plans for millions of Americans, the letter said, it is more critical than ever for the Treasury to strengthen one of their remaining options for retirement savings.

Read more:
Treasury Ends Obama-Era Retirement Savings Plan - The New York ... - New York Times

More members of Congress arevoicing their concerns for recent fiscal 2018 budget proposals that could makesignificant changesto the federal retirement system for current and future employees and retirees.

Ten HouseRepublicans are appealingto House Oversight and Government Reform Committee Chairman Trey Gowdy (R-S.C.), the leader of the committee thats been tasked to develop legislative proposals that wouldreduce the federal deficit by $32 billionover 10 years through reforms to civil service pensions.

No one needs to remind us of the deficit and debt problem our nation faces, but federal employees are an easy political target, the 10 members wrote in a July 26 letter. In more ways than one, they have already repeatedly given at the office. Therefore, we respectfully request that reject any further legislative changes to the federal employee retirement system at this time.

Meanwhile,18 senators, nearly all of them Democrats, also wrote to their chambers leadership this week.

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These proposed changes, if enacted, would significantly harm the retirement plans that our federal employees have made over the course of decades in public service, the senators wrote in a July 26 letter to Senate Majority Leader Mitch McConnell (R-Ken.) and Minority Leader Chuck Schumer (D-N.Y.). In addition, they would further hamper the federal governments ability to recruit and retain the best and brightest talent, particularly when we are concerned about brain drain in critical areas of our civilian workforce.

The signatures on the Senate letter shouldnt come as a majorsurprise.

Both Maryland Sens. Ben Cardin and Chris Van Hollen and Virginia Sens. Tim Kaine and Mark Warner added their names to the letter.

Delaware Sens. Tom Carper and Chris Coons,Hawaii Sens. Mazie Hirono and Brian Schatz, Massachusetts Sens. Ed Markey and Elizabeth Warren, New Mexico Sens. Martin Heinrich and Tom Udall and New Jersey Sens. Cory Booker and Robert Menendez, along withSens. Sherrod Brown (D-Ohio),Patty Murray (D-Wash.), Jeff Merkley (D-Ore.) and Bernie Sanders (I-Vt.) also signed it.

The letter from House lawmakers toGowdy comes may hold more gravitas. Their message comes afternine of the 10 members wrote to House Speaker Paul Ryan (R-Wis.) and Majority Leader Kevin McCarthy (R-Calif.) in June to express their opposition.

All nine of the House members who wrote to Ryan in June also added their names to the latest letter. But Rep. Peter King (R-N.Y.) added his nameas well, making him the 10th House Republican to voice his concerns at least in writing to proposed cuts to federal retirement.

4 execs who developed, owned and managed the popular OASIS multiple award contract shuffled to other program.

The July letter reads almost verbatim to the members June letter to Ryan and McCarthy.

But this time, the lawmakers make reference to several fiscal 2018 budget proposals that suggest a variety of changes to the federal retirement system for both current employees and future ones.

The House Budget Committees 2018 request includes instructions for budget reconciliation, which tasks the House Oversight and Government Reform Committee to make changes to the federal retirement system.

Those proposals will call for higher contributions to their federal pensions and the removal of supplemental Social Securitypayments to employees who retire before age 62.

This would achieve significant savings while recognizing the need for new federal employees to transition to a defined contribution retirement system, the House budget blueprint said. The vast majority of private sector employees participate in defined contribution retirement plans. These plans put the ownership, flexibility, and portfolio risk on the employee as opposed to the employer. Similarly, federal employees would have more control over their own retirement security under this option.

The House Budget Committees resolution calls for proposals that are similar, but slightly different from the recommendations included in President Donald Trumps own 2018 budget request.

The president proposedcuts to federal retirementworth $4.1 billion next year, for a total of about $150 billion over 10 years a significantly higher task than the House Budget Committees recommendation.

But both the Trump administration and many House Republicanssee these changes as a way to realize new cost savings and bring the generous federal retirement packagein linewith the private sector.

Nearly100 House Democratsalready voiced their own opposition to such proposals in a letter to Ryan and Minority Leader Nancy Pelosi (D-Calif.).

See the original post here:
10 House Republicans and 18 senators speak out against federal retirement cuts - FederalNewsRadio.com

At the start of this week, Cartersville High School athletic director Darrell Demastus had a 12-time state champion in his new baseball coach. After what Demastus said were developments hes never witnessed in his administrative career, thats no longer the case.

Former Central High and longtime Columbus High baseball coach Bobby Howard resigned as Cartersville head coach Thursday. Howard, who had held the job for just over one month, explained that, They are great people and they made a great offer, but the retirement/investment piece could not be worked out.

On Friday, Demastus detailed exactly what went wrong with the Howard-Cartersville pairing.

According to Demastus, an individual who has retired within the Teachers Retirement System of Georgia but opts to return to teaching must suspend his or her retirement completely or work less than 49 percent of a full-time job to keep drawing retirement. Howard was drawing full retirement while working in the Alabama school system.

Demastus explained that Howard, who had 35 years in Georgias system when he left Columbus in 2015 and later took the coaching job at Central, was given bad information about his status in terms of coaching Cartersville and still drawing from his retirement.

Demastus said the problem could have potentially been solved had it been discovered in June. Instead, the issues came up this week, just days before Cartersville City Schools return for the 2017-2018 school year.

If youre new to the school system, you have to go through new teacher orientation, Demastus said. When coach Howard came in to do his paperwork as a new teacher like every other new teacher we hired in the system, he realized somethings not working out here. Thats when our assistant superintendent and them sat down and looked. Sure enough, he wasnt given the correct information.

Had the situation been discovered sooner, Demastus and the others involved could have potentially found a partial teaching spot for Howard. However, with the start of school nearly one week away, there were no openings within the school system to fit his need.

Demastus said he, superintendent J. Howard Hinesley, Cartersville High School principal Marc Feuerbach and the entire administrative staff sat down to find a way to keep Howard and allow him to still draw on his retirement.

In the end, they concluded it could not happen.

It was frustrating on our part because of the simple fact that we lost a very, very, very good baseball coach, Demastus said. I do not blame and nobody in our administration or in the community blames coach Howard at all. Its just one of those situations that came into play that nobody could really do anything about.

As a result, Howard resigned. Kyle Tucker, who was an assistant with the baseball team last year, will act as interim head coach for a year, per Demastus.

Demastus expressed his regrets over losing Howard and said Howard sounded sincere when he informed the coaches he would not in fact be leading the Hurricanes. Demastus said he was aware of Howard from the battles between Cartersville and Columbus over the years but was really looking forward to getting to know him better.

Demastus is also an assistant principal at Cartersville, and he explained his hiring process for coaches and teachers is the same. He looks for an individual who can fit in with what Demastus deemed the family that exists within Cartersville City Schools.

Though it proved to be for naught, Demastus said Howard was exactly what he was looking for.

When you lay a resume like Bobby Howards down on the table, his is second to nobody, Demastus said. I think the biggest thing with Bobby was during the interview process, the personality he had just seemed to fit the personality of the school. He was very down to earth. His knowledge of the game was never questionable. He seemed to be relaxed and seemed to be somebody who could fit into the school system.

Though the situation led to an undesired outcome, Demastus found some humor after the sagas conclusion. He said he and Feuerbach often joke back and forth about the need to write a book on their experiences within the education field.

I said, Well, I guess this is going to have to be a chapter in the book, Demastus said. He said, Coach, were probably going to have to have two chapters for this one.

Continued here:
Retirement payout stalled opportunity for Bobby Howard, Cartersville - Columbus Ledger-Enquirer

For more than 35 years, Dr. Robert Jordan treated children in south suburban communities, offering routine check-ups, immunizations and important medical consultations in an area where private practice pediatricians were rare.

He dedicated his life to taking care of those who wereindigent who would not get the love and care usually given to people with means, said his wife, the Rev. Jeanette Jordan.

On Saturday, hundreds of members of the community and former patients gathered at a Chicago Heights park to thank Jordan for his service with an all-day retirement party dubbed a Fair-Well Fest.

At the event, former patients took turns on stage giving emotional speeches about Jordans care. One mother said Jordan treated her like his own daughter, offering sound medical treatment even when she was on disability leave from work and unsure of how she would pay medical bills. Another little girl told the crowd, He never let me die. He made sure I was always healthy, before running off the stage and jumping into her doctors arms.

The festival, which also featured food, live entertainment, free blood pressure tests, diabetes screenings and other health offerings, was organized by Jordans children in partnership with several community sponsors. It came one week before Jordans South Suburban Pediatrics will be turned over to a new owner, a pediatrician who has agreed to continue serving the low-income community, said Allison Jordan, his eldest daughter.

He cared about your well-being, said Felicia Moore, of Crete, who brought her three children regularly to see Jordan beginning in 1989. He would have questions that I would never be asked by other doctors.

Nuccio DiNuzzo / Chicago Tribune

Born and raised in Laurel, Miss., the 75-year-old Jordan said he was inspired to become a doctor from an early age, after his younger sister died from complications of asthma that would not have taken hold if his family, who were poor, had access to better health care.

But it wasnt until after Jordan was married with three children that he decided to go back and earn his medical degree at Rush Presbyterian Hospital.

After completing his residency, he opened up a private practice that began in Chicagos Roseland community, then moved to Homewood and eventually Chicago Heights, where it has remained for the past 17 years.

Jordan and his wife also opened the Far South Side Community Health Center in 1992, which offers health education, food for the hungry, mentoring and other services.

He never made himself unreachable, said Craig Hodges, the former Chicago Bulls player who grew up in Chicago Heights and was on hand for the celebration.

Hodges, his former son-in-law, said having a positive role model like Jordan had a great impact on young people who grew up under his care.

These young people realize what theyre capable of, he said.

After retirement, Jordan and his wife plan to travel and for hertocontinue to do pastoral work with her church, Journey to the Cross Ministries. He also plans to continue educating patients at Far South Side Community Health Center.

I loved every one of them, they knew my first name, they came to my house, he said. Im not burning my stethoscope. Im not burning my lab jacket.

vortiz@chicagotribune.com

See the original post:
'Fair-Well Fest' retirement party honors longtime Chicago Heights pediatrician - Chicago Tribune

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Retirement Ron Watson Director of Retired Members

Ron Watson was elected NALC director of retired members on Oct. 7, 2015, following a Dept. of Laborsupervised election conducted by mail. He has served as director since his appointment in 2013 to fill a vacancy. Full bio

NALCs Retirement Department serves the members, active and retired, with advice and assistance regarding pre-retirement and post-retirement issues. These issues primarily involve the Office of Personnel Management (OPM) and its administration of the Civil Service Retirement System (CSRS) and the Federal Employees Retirement System (FERS). But the issues also at times intersect with other agencies and programs, including the Thrift Savings Plan (TSP), Medicare, Social Security, Federal Employees Group Life Insurance (FEGLI) and Federal Employees Health Benefits (FEHB).

2017 retired member COLA projection: 0.5%

Based on the July 17 release of the June 2016 Consumer Price Index (CPI), the accumulation toward the 2017 cost-of-living adjustment (COLA) for Civil Service Retirement System (CSRS) and Federal Employees Retirement System (FERS) was 0.5 percent.

For details and a look at recent COLAs and trends, click here.

The NALC Retirement Department can be reached by calling 800-424-5186 (toll free) Monday, Wednesday or Thursday, 10 a.m.-Noon or 2 p.m.-4 p.m. (Eastern time), or by calling the NALC Headquarters switchboard at 202- 393-4695 Monday through Friday, 9 a.m.-4:30 p.m. (Eastern time) and asking for the Retirement Department.

The USPS HR Shared Service Center (HRSSC) can be reached by current employees who are planning or applying for retirement by calling 877-477-3273, option 5.

The Office of Personnel Management (OPM) acts as the personnel office for retired letter carriers, and is the agency responsible for administering retirement, health and life insurance benefits. Before you call or write to OPM, be sure to have your Civil Service Annuity (CSA) number ready. OPM can be reached by retirees who have a CSA number by calling 888-767-6738 or 724-794-2005, 7:40 a.m.-5 p.m. Monday through Friday (Eastern time), or 202-606-0500 in the Washington, DC, area. Mail your written inquiries to Office of Personnel Management, Retirement Operations Center, Boyers, PA 16017 (unless OPM has specified a different address for a specific action such as health benefits open season).

Click here to download Dir. Watsons workshop PowerPoint presentation from NALCs 2015 Rap Session in Houston. (Dont have PowerPoint? Try importing the file to Google Drives Slides program.)

Click here to download Dir. Watsons workshop PowerPoint presentation, CSRS and FERS: A Guide for Employees Approaching Retirement. (Dont have PowerPoint? Try importing the file to Google Drives Slides program.)

Click on the plus symbol next to each topic below to see more information:

While the Office of Personnel Management (OPM) makes all decisions regarding retirement entitlement, current employees are required to apply for retirement through the USPS Human Resources Shared Services (HRSSC).Learn more...

Dont forget to act to maintain your NALC membership when you retire to continue to receive the many benefits of membership.Learn more...

Retirees are an essential part of NALCs political and legislative advocacy efforts.Learn more...

Click here for other useful documents and resources.

While employees who are planning or applying for retirement are required to process through the Postal Service Human Resources Shared Service Center (HRSSC), once retired, that changes. After the effective date of retirement, issues regarding retirement matters must be directed to the Office of Personnel Management (OPM). Learn more...

Dont forget to act to maintain your NALC membership when you retire to continue to receive the many benefits of membership. Learn more...

Retirees are an essential part of NALCs political and legislative advocacy efforts. Learn more...

Click here for other useful documents and resources.

The OPM maintains a listserv that provides up-to-date information about retirement benefits. Click here to join or access the listserv.

Click here for documents and links to websites about relevant topics, including questions and answers on the Civil Service Retirement System, questions and answers on the Federal Employees Retirement System, a survivors guide to CSRS, FERS, and Social Security, preparing for retirement, what to do when a retired or active letter carrier dies, OPM and federal employee benefit resources on the Web, information on NALCs retirement community (Nalcrest) and more.

Continue reading here:
Retirement | National Association of Letter Carriers AFL-CIO

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Our editors detail every single one of them in an urgent market report that shows you not only where, but also how and when to place your capital for greatest return this year.

Given current investment climates and ongoing economic, market, and political events, where does it make sense for you to buy pre-construction right now... or to bank land? Where should you think about investing in apartments for rental... or farmhouses for renovation? Where and why should you consider buying raw land to flip... and when should you time your exit?

In five markets right now, you could position yourself for profits of as much as 25%... 37%... or 54% per year for the coming few years... not including, in some cases, the currency upsides... and as much as 1,260% and more over the lifetime of the investment.

Five markets in particular hold tremendous opportunity for the savvy investor right now. Find out where and how to stake your claim in the just-published, The 5 Hottest Real Estate Markets For 2016, available FREE and for immediate download. All you have to do is to enter your email address above.

In addition, we'll sign you up for a FREE subscription to Overseas Opportunity Letter, the daily dispatch from our far-flung network of editors, experts, friends, and advisors detailing the best opportunities today for living, retiring, doing business, investing, and owning real estate around the world.

................................................................................................................................................

Kathleen Peddicord Publisher

Welcome to Live and Invest Overseas!

Overseas Opportunity Letter comes from Kathleen Peddicord, Editor and Publisher of International Living for more than 22 years. Kathleen has nearly three decades of experience researching top opportunities for living well, investing for profit, doing business, and owning real estate around the world.

Over 17 years ago, Kathleen moved her family and her business from the East Coast of the United States to Waterford, Ireland. In the decade since, she has established businesses in seven countries and invested in property in 23.

Thanks to these travels and adventures abroad, Kathleen has been able to assemble an unparalleled network of global contacts, colleagues, friends, experts, resources, expats, and advisors. This team, with many decades of combined experience, is on the move continuously in search of opportunity.

Their insider, from-the-scene reports, dispatches, tips, recommendations, discoveries, and insights are delivered to Overseas Opportunity Letter readers daily.

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Live and Invest Overseas showcases the best deals for living ...

Ann Arbor Brookhaven Manor (Visit our site) 401 Oakbrook Ann Arbor, MI 48103 734-747-8800 TDD: 800-989-1833 Glacier Hills (Visit our site) 1200 Earhart Road Ann Arbor, MI 48105 734-913-0730 Brighton Independence Village of Brighton Valley (Visit our site) 7700 Nemco Way Brighton, MI 48116 E-mail us 888-228-2674 Dearborn Henry Ford Village (Visit our site) 15101 Ford Road Dearborn, MI 48126 E-mail us 313-584-5200 Detroit 8330 On The River (Visit our site) 8330 E. Jefferson Detroit, MI 48214 313-331-7780 TDD: 800-989-1833 [Government Assisted HUD Community] Frankenmuth Independence Village of Frankenmuth (Visit our site) 255 Mayer Road Frankenmuth, MI 48734 E-mail us 800-526-1900 Gladstone Lake Bluff Retirement Village (Visit our site) 401 Kenneally Boulevard Gladstone, MI 49837 906-428-4744 Grand Ledge Independence Village of Grand Ledge (Visit our site) 4775 Village Drive Grand Ledge, MI 48837 E-mail us 888-826-4116 Grand Rapids Lincoln Square (Visit our site) 3121 Lake Michigan Drive NW Grand Rapids, MI 49504 800-209-8955 MapleCreek (Visit our site) 2000 32nd Street, SE Grand Rapids, MI 49508 616-452-5900 Sentinel Pointe Retirement Community (Visit our site) 2900 Thorn Hills Avenue SE Grand Rapids, MI 49546 E-mail us 616-957-9767 Haslett Marsh Pointe Apartments (Visit our site) 5695 Marsh Road Haslett, MI 48840 E-mail us 517-339-0440 Holland Freedom Village (Visit our site) 145 Columbia Avenue Holland, MI 49423 E-mail us 616-820-7485 Jackson Vista Grande Villa (Visit our site) 2251 Springport Road Jackson, MI 49202 E-mail us 800-889-8499 Kalamazoo Friendship Village Kalamazoo (Visit our site) 1400 North Drake Road Kalamazoo, MI 49006 E-mail us 800-613-3984 Heritage Community of Kalamazoo(Visit our site)(Wyndam Apartments) 2300 Portage Street Kalamazoo, MI 4900 E-mail us 800-710-8685 or 269-276-4055 Livonia Woodhaven Retirement Community (Visit our site) 29667 Wentworth Avenue Livonia, MI 48154 E-mail us 734-261-9000 Midland Independence Village of Midland (Visit our site) 2325 Rockwell Drive Midland, MI 48642 E-mail us 877-839-2114 Novi Fox Run Village (Visit our site) 41000 13 Mile Road Novi, MI 48377 800-843-1433 Oscoda Oscoda Senior Condominiums (Visit our site) 5951 N. Skeel Avenue Oscoda, MI 48750 800-386-7133 Oxford Independence Village of Waterstone (Visit our site) 701 Market Street Oxford, MI 48371 E-mail us 800-579-0922 Petoskey Independence Village of Petoskey (Visit our site) 965 Hager Drive Petoskey, MI 49770 888-777-0327 E-mail us 888-777-0327 Plymouth Independence Village of Plymouth (Visit our site) 14707 Northville Road Plymouth, MI 48170 E-mail us 800-803-5811 Rochester Hills All Seasons of Rochester Hills (Visit our site) 175 E. Nawakwa Drive Rochester Hills, MI 48307 E-mail us 866-600-2300 Saline Brecon Village (Visit our site) 200 Brecon Drive Saline, MI 48176 E-mail us 734-429-1155 Southfield Solaire Active Adult Community(Visit our site) 15700 Providence Drive Southfield, MI 48075 248-559-1605 The Heatherwood Retirement Community(Visit our site)22800 Civic Center Drive Southfield, MI 48034 248-350-1777 Southgate Sanctuary at Maryhaven (Visit our site) 11350 Reeck Road Southgate, MI 48195 734-287-2111 Sterling Heights Birchcrest Manor (Visit our site) 41255 Pond View Drive Sterling Heights, MI 48314 586-726-0603 Utica Northpoint Village of Utica (Visit our site) 45201 Northpointe Boulevard Utica, MI 48315 E-mail us 866-414-7700 or 586-739-9545 White Lake Independence Village of White Lake (Visit our site) 935 Union Lake Road White Lake, MI 48386 E-mail us 888-292-2490 top

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Michigan - Retirement Living Information Center