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Small business owners and employees subject to different Medicare rules
Medicare is a complex topic even for those of us who have retired or are covered by health plans in a larger company, But the rules are different for small business owners and their employees. This article by Mary Beth…
Your retirement strategy should take your career path into account
As the saying goes, “the times they are a-changing”, and that certainly applies to the career landscape in recent years. While long time loyalty to one company was common years ago, now job hopping and even changing careers entirely are…
Savings isn’t the only aspect of retirement planning
Sure, having a substantial nest egg is important to your retirement comfort, but there are a lot of other aspects of retirement that add up to being comfortable in those golden years. How you plan to spend your leisure time…
Women planning retirement have different consideratiions
What with spending time away from the workplace for motherhood, often earning less than their male counterparts, and longer lifespans, women face an entirely different set of challenges when planning for retirement. This article by Cindy Hounsell of the Women’s…
Wrong assumptions can wreck your retirement
Retirement planning inevitably requires making some assumptions – how long you’ll live; how much money you’ll need; how long you’ll work, and the like. But being overly optimistic in making those assumptions can have disastrous consequences down the road. This…
The 4% Rule – Not perfect but a good starting point
The 4% rule, a retirement savings withdrawal strategy first put forth a couple of decades ago, is far from perfect in today’s world, but it’s still a good starting point and it’s certainly better than nothing. Despite its shortcomings, one effective…
Figuring how much of your Social Security is taxable is tricky
Trying to figure out if, or how much of, your Social Security income is taxable is a tricky calculation. But you should make sure that you have it right so you don’t pay tax on more of your benefits than…
Does working outside the country affect my Social Security?
In our increasing global economy, many people are spending some of their career working in countries other than the United States. But often overlooked is how this might affect a person’s eventual Social Security benefits, and even whether they are eligible…
Delaying retirement, and its financial implications
It’s no secret that more and more people are choosing to delay their retirement, in some cases until well into their 70’s. And even those still younger assume that the traditional retirement age of 65 has gone by the wayside.…
Taking Social Security at full retirement age often makes sense, but not always.
Many Social Security Advisors can easily make the argument for taking your benefits at your full retirement age. But there are at least a few good reasons why either taking earlier or waiting until later than your full retirement age…