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Retirement Security In Five Strategic Steps
While the process of planning for your retirement may seem daunting, National Retirement Planning Week® 2015—taking place from April 13–17—may be the opportunity you need to get back on track. Experts from the National Retirement Planning Coalition, which organizes the…
Gaming Social Security
Few, if any, articles on Social Security discuss “Adverse Selection”, and the associated havoc that it can play on projections for the system’s future. Another name for “Adverse Selection” is gaming the system. Whatever you call it, the concept is…
Fix the debt to protect the middle class
In Washington, Republicans and Democrats are fighting to convince American citizens they are champions of the middle class. Yet both parties shy away from the issue that most impacts the middle class: the national debt. Talking about the debt requires honest, substantive…
Top 3 Reasons to Talk to Your Spouse About Social Security
Think your Social Security decisions are a personal matter? Think again. When approaching retirement age, it’s a good idea for married couples to work together to plan a Social Security strategy (or better yet, start even earlier!). Here’s why: Read more……
Lifetime retiree health care cost projections up 6.5%
Retiree health care costs continue to rise at a faster pace than general inflation and annual cost-of-living adjustments for Social Security benefits. As a result, retirees will spend increasingly larger portions of their retirement benefits to pay for health care…
Employees lack knowledge to optimize Social Security benefits
As American workers are increasingly looking to a new range of employer-sponsored retirement products to help guarantee some securely funded golden years, they may be missing out on the advantages of a system they’ve paid into their entire working lives. John…
Expanding Social Security Across Generations
Expanding Social Security by increasing benefits would be a partial solution to four challenges America faces: the income insufficiency of today’s seniors; the retirement income crisis confronting today’s middle-aged and young workers; insufficient recognition of and public support for the…
How to Fix Disability Insurance
In late 2016, right around the time we elect the 45th president of the United States, we are due for our first entitlement crisis in two decades. That’s when the actuaries in the Social Security Administration project that the Disability…
Social Security Tips for Married Couples
Try these strategies to boost retirement benefits for you and your spouse. When it comes to Social Security, marriage has some significant benefits. You can claim benefits based on your own earnings or choose to receive up to 50% of…
Gridlock still blocking overdue Social Security reform
Last week the Ghost of Gridlock Present crossed paths in Washington with the Ghost of Gridlock Future. It makes for a spine-chilling tale. Gridlock Present was haunting the Senate, where legislators dissolved into partisan warfare over a bill to fight human…