Latest News

Smart retirement choices for women

It’s a fairly well known fact that women face a different retirement landscape than men, due in large part to the gender pay gap and fewer years in the workforce due to raising children.  But there are other factors involved…

It’s time to re-think our credit reporting system

American consumers have no choice, but their personal data are amassed in the electronic files of the three major credit reporting firms – Equifax, Trans Union, and Experian.  And as the recent massive data breach at Equifax revealed, those data are…

Partial lump sum Social Security bill not a good proposal

House Bill H.R. 3112, the Providing Choice for Social Security Retirees Act introduced in June 2017, wouldn’t materially affect Social Security’s solvency issues and would, in fact, have a negative effect on the program in the earlier years.  This is…

Planning for retirement: A primer

If you knew how long you’re going to live, and what your expenses would be at different points in your golden years, retirement planning would be a snap.  But since you don’t know either of those things, your best course…

Clients demanding more Social Security advice

It’s a sad commentary for Financial Advisors, but many clients are saying that their financial advisors aren’t offering adequate Social Security advice.  About 80% of future retirees say they would switch advisors if theirs didn’t offer them advice on how to…

Debt in retirement could hurt your dreams

For many older Americans, debt is an increasingly big problem as they approach their retirement years.  Coupled with a general lack of adequate retirement savings, many seniors are finding that their dream of a life of leisure after a lifetime of…

Time for Congress to fix the credit reporting industry

The massive size of the Equifax data breach was stunning, even for the industry “experts” who deal with such issues every day.  The fact is that our credit reporting industry is fundamentally defective and will need Congressional action to get if fixed,…

The retirement dichotomy – retirees vs. pre-retirees

A recent study by the Nationwide Retirement Institute found that feelings about retirement by those already retired are distinctly different from those who are only considering the journey into their “golden years”.  In most respects, pre-retirees tend to be more pessimistic, especially about the future…

When to start Social Security benefits

It’s a question very often asked of Social Security staff:  “What’s the best age to start receiving retirement benefits”.  And the answer is that there is no one “best age”.  In this article appearing at the Everett, Washington HeraldNet website, Social Security’s…

A national dilemma: Replacing the Social Security number as an ID

By now you know that you should closely guard your Social Security number, and not give it to anyone who doesn’t absolutely need it to provide you with services. The problem with that advice is that the Social Security number…

Website by Geiger Computers