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Consider a phased approach to retirement
The prospect of going from a full time career to total retirement might seem either appealing or scary, depending on how ready you really are to jump into your golden years with both feet. But there’s an alternative that could…
A Primer on Retirement Planning
Recognizing retirement as a transition rather than an end is a good first-step in building a plan that will minimize the disruption that a major life event of this magnitude can have. Whether it’s preparing for a stable income stream after stepping…
Another Call for Bipartisan Action on Social Security’s Solvency Predicament
To anyone up-to-speed on the problems facing Social Security in the distant–and not-too-distant–future, the revelations in the 2017 Social Security Trustees Report came as reaffirmation rather than surprise. The horizon for exhaustion of the Trust Funds’ cash reserves is still…
Time to Assess Your Retirement Savings?
If you’re in your 50s, you know that time seems to be passing more rapidly than before, and you know that life phase called ‘retirement” is looming larger and larger in your plans. Are you ready…is your saving plan on…
Flying Into Social Security Blind Will Likely Cause You to Crash
The rule book for Social Security is frighteningly large and complicated, with rules that overlap rules and regulations that contain nested requirements. In fact, the number of individual provisions in Social Security is somewhere north of 2700, and mistakes–many of which are…
FRA No Longer Means Exiting the Workplace for Many
Attaining the coveted FRA (Social Security’s acronym for Full Retirement Age) once meant it was time to step away from work life and enter a world of total relaxation, travel, and pursuit of hobbies. These days, according to a CareerBuilder study,…
2018 COLA Watch: Forecasted 2.2% Might be in Jeopardy
As explained in a post on fedsmith.com by Michael Wald, public affairs consultant and writer and former U.S. Department of Labor official, the 2018 Social Security Cost of Living Adjustment (COLA) story is turning into a good news/not-as-good-as-expected news situation. The good…
Delaying Social Security Filing? Some Thoughts on Ways to Accomplish it Strategically.
Folks aging into Social Security eligibility have a very basic decision to make: When to file. Early filing (i.e., prior to Full Retirement Age) means a reduced benefit, while deferring up to four years beyond FRA provides a substantial income boost.…
Three Primary Ways Social Security Generates Income
Do you know exactly how the Social Security program is able to generate nearly $1 trillion in income each year to disburse out to seniors, their families, the disabled, and survivors? The attached article takes a closer look at the…
Strategies to Help Maximize Social Security Benefits
When to start collecting Social Security should be important to every beneficiary because if you do not nail when and how to file for this benefit, you may be throwing away big money. In Margaret Price’s article appearing on Investor’s…