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Social Security numbers – what does the future hold?
Just take a moment to think about the data base hacking of many retail giants (i.e. Target) and various Government agencies (the IRS, the VA, etc.) capped with the Equifax data base raid that exposed the personal records of 145…
Want a worry-free retirement? Here’s how
Everyone who looks forward to retirement wants it to be worry free, which means that you won’t run out of money during your golden years. There’s really no secret to making sure you have enough: You have to start saving…
Trend points to more people waiting to start Social Security
Though a majority of people still claim their Social Security benefits earlier than their full retirement age, it seems that more people are now choosing to wait a little longer to apply. Some would argue that is because of the…
How divorce affects retirement accounts, including Social Security
It’s a sad commentary on American marriage, but about 40% of nuptials today end in divorce, often leaving a chaotic scramble to decide how to split up assets and uncertainty over what Social Security benefits are available to ex-spouses or…
Many claim Social Security at age 62. Why?
Social Security’s minimum age to start collecting retirement benefits is 62, and 48% of women and 42% of men do claim at that earliest possible age. The reasons can be and are sometimes good, but all too often claiming at…
Working after age 65: Majority want to but only 20% do
According to a recent survey, 56% of those surveyed say they plan to continue to work after retirement, and perhaps not fully retire at all. The expectations are somewhat different for each generation (Millennials, GenX’ers and Baby Boomers), but most…
Part time consulting can be more rewarding than full retirement
Many who retire after a long career of full time work are finding that they’re bored and long for a sense of worth – a feeling that they’re still growing and contributing. Contrary to the old thinking of 65 as…
A blueprint for retirement planning
Planning for your retirement can seem like a daunting task, especially if you’re trying to forecast what your financial needs will be decades down the road. But rather than put that planning off because it seems so difficult, doing a…
There are retirement savings options other than the 401(k)
The 401(k) is usually thought of as the premier retirement savings account, and it is very widely used throughout America. But there are other lesser known options that can be just as good, or even a better place to park…
Solving America’s retirement savings crisis
It’s pretty well known that most American’s simply don’t save enough during their working years to fund a comfortable retirement. Social Security was never intended to provide more than 40% of a retired persons income, so the rest must come from…