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Public employee offsets
About 10 percent of Americans work at jobs that are not covered by Social Security; usually these are state and local government jobs. For workers who spend the bulk of their careers in jobs not covered by Social Security are…
Baby boomers hold less wealth than previous generations
According to the Pew Research Center there are currently more than 70 million baby boomers in the United States. This generation face more risks to their retirement than previous generations. According to a new report by the Stanford Center on…
Retirement plan limitations are increased
Along with the Social Security Administration announcement of the 2019 cost-of-living adjustments, the Internal Revenue Service announced their 2019 cost-of-living adjustments to the dollar limitations for qualified retirement plans and other benefits. Click on the attached link for the list…
Three positive points about Social Security to remember
Social Security continues to provide crucial retirement benefits to millions of seniors despite the doom and gloom surrounding it. The attached article lists three positive points about Social Security to remember the next time you hear about its shortcomings. Read…
Phases of retirement
Are you familiar with the four phases of retirement? If not, then this article is for you. Click here to read the attached article explaining the four phases of retirement and how only 20 -25 percent of retirees ever reach…
It pays to understand how Social Security works
A minor misstep can rob your nest egg of tens or thousands of dollars in retirement benefits. It pays to understand how Social Security works and how to maximize your Social Security benefit. Here are seven of the biggest and…
More employers are developing financial wellbeing initiatives
According to the 2018 Gallagher Benefits Strategy & Benchmarking Survey more employers that offer retirement programs are measuring the financial readiness of employees to retire. Employers have found the consequences of issues that employees experience if they’re financially underprepared for…
Does filing early really hurt seniors in the long run?
Many of us grapple with the decision of when to file for Social Security, because while those benefits themselves are initially based on a given worker’s lifetime earnings, the age at which they’re first claimed can cause that number to…
Are you planning on collecting Social Security at 62? You may want to think again
The earliest age and by far the most common age for people to start taking their Social Security retirement benefits is: 62. Although it may seem tempting to collect as soon as possible, it could very well backfire on you.…
Charts to see how your benefits could change starting in January
Wondering what your Social Security check will look like in 2019? The Social Security Administration has examples of estimated average monthly Social Security benefits payable in January 2019, both before and after next year’s 2.8 percent cost-of-living adjustment. If you…