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You may not receive as much from Social Security as you think
Social Security benefits represent an important source of retirement income, with 21 percent of married couples and 45 percent of single persons rely on Social Security for 90 percent or more of their income. Although the average benefit amount will…
Understanding the consequences of your choice
Some individuals think when they sign up for Medicare at age 65; they must also sign up for their Social Security benefits. No, that is incorrect; it could cost you money over the long term. Why? When you sign up…
It takes careful strategy to have a successful retirement
It takes careful strategy to have a successful, secure retirement. If you are on track with your retirement planning, that is great. But for some of us, we need a little help with our retirement planning. Lou Carlozo outlines 17…
Many workers have a strong interest in assistance with building emergency savings
The recent survey by the Employee Benefit Research Institute (EBRI) and the Greenwald Research found 60 percent of employees say their employer-sponsored retirement plan contributes a lot to them feeling financially secure. The 2021 Workplace Wellness Survey finds “of those…
Pay attention to the small changes in Social Security
The only constant thing; is change, so they say. Social Security has been around for over 80 decades, and it has changed and still has the potential to change from year to year. Those changes may not be obvious to…
A retirement account with triple tax advantage
When you think of retirement savings accounts, you think of 401(k)s and IRAs, but did you know there is a better option; one that gives a triple tax advantage? Health savings accounts (HSA) contributions reduce your taxable income and allow…
Your Social Security may be lower than you expect
Social Security benefits represent an important source of retirement income, with 21 percent of married couples and 45 percent of single persons rely on Social Security for 90 percent or more of their income. Some people assume that they’ll manage…
Choosing a financial planner
According to a recent survey, only 17 percent of Americans use a financial advisor. “Choosing a financial planner is one of the most important money decisions you’ll ever make, according to John Loper of the CFP Board.” But how do…
Social Security checks through out the years
Over the 80-year history of Social Security, we have seen some dramatic changes; however, the core program remains unchanged. Present-day workers pay Social Security taxes into the program, and money flows out as monthly income to beneficiaries. The Social Security…
Want to get more out of Social Security?
Social Security benefits represent an important source of retirement income, with 21 percent of married couples and 45 percent of single persons rely on Social Security for 90 percent or more of their income. So, you will want the maximum…