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Social Security Disability: A retired staffer’s viewpoint

Social Security Disability is, perhaps, one of the most intimidating areas of the entire program, a view fueled by numerous nightmarish stories about inherent long delays and a grueling appeals process.  In this article appearing at www.cleveland.com, retired long time Social…

About the quality of service at your local Social Security office

The stories are many from those who have tried to call or visit their Social Security office. Exceptionally long hold times on the phone, even longer wait times if you venture to visit the Social Security office, and just plain…

How long will your retirement last?

Plenty of advice is available for those approaching retirement, and most of it focuses almost entirely on the financial aspects of your golden years.  Mainly, most advisors will tell you, you should strive to build your nest egg as large as…

When to claim Social Security – a handy chart

The perennial question asked by those approaching Social Security’s minimum eligibility age of 62 is “When should I claim my benefits?”.  Wouldn’t it be nice if there was a single chart which would show the ramifications of claiming benefits at…

Social Security won’t go bankrupt, but benefits could shrink

It has been fairly well published that Social Security has it’s financial woes, and some even use the term “bankrupt” to describe the future of this important program.  In fact, Social Security is critically important for those 34% of beneficiaries for whom Social…

Personal defined-benefit plan

Corporate defined-benefit plans fell out of favor a few years ago; however, and few investors are even aware that they still exist, they are called personal defined-benefit plan. A personal defined-benefit plan provides a guaranteed payout in your retirement years…

Changes to retirement savings rules and limitations

The New Year brings changes to several retirement savings rules and limitations. Savings contribution limits have increased allowing you to add a bit more into these accounts. In Wendy Connick’s article appearing on The Motley Fool, she list the most…

What is the right age to retire?

The one question plaguing those planning for retirement: What age should I retire? Some people think 62 is the best while others think it’s better to wait until age 70 but is there really one perfect retirement age? The answer…

Retirement trends to monitor in 2018

The Institutional Retirement Income Council (IRIC), a think tank for retirement income planning community, expects 2018 will be a critical year as the industry looks for ways to enhance their ability to provide workers with a path to a financially…

National Retirement Risk Index improved modestly between 2013 and 2016

According to the Center for Retirement Research (CCR), the National Retirement Risk Index (NRRI) improved modestly dropping from 52 percent to 50 percent of working-age households between 2013 and 2016. Using the data information about household assets, liabilities, and demographic…

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