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Don’t forget to consider risk factors in making you Social Security filing decision.
if you’re considering a strategy of taking your Social Security benefits before full retirement age, and part of your decision-making process is to offset the reduction with investment earnings, it’s important to make certain you’ve adequately factored risk into your…
Thinking about retiring? Here are some “rules” to consider.
Many people looking ahead to their retirement years tend to pause and take a deep breath when it comes time to set a date. Certainly much of the decision on timing is based on finances, but that’s not all you need to…
Social Security’s new “multi-factor authentication” protects your account.
The multi-factor authentication (MFA) method didn’t sit well with a lot of folks using online access to their Social Security account. That’s because it initially required that a code be sent via text message to the user’s cell phone, which would then become part…
A formula for retirement “peace of mind”.
It’s no secret that the most feared aspect of retired life is running out of money. That’s understandable when you consider that the average retirement income in the U.S. is about $1,500 per month and the size of the average…
Get real about your retirement!
When you think ahead about your retirement, do you want to have a better lifestyle than you now have, the same lifestyle you now have, or are your expectations lower? The answer for most people is that they want to maintain…
Worried about outliving your money? Here are a few tips.
For the most part, pre-retirement advice boils down to save more while you’re working, invest sooner and wisely, and spend less after you retire. But there are a few other strategies that will help you reach a comfortable retirement where…
Medicare changing how doctors are paid: The consequences?
The recent release of a new rule for how Medicare will be paying doctors has some medical professionals concerned. While the goal of the new rule is laudable in that it will pay doctors based on the quality and outcome…
Should you start Social Security benefits early? There are reasons you should.
Most financial advisors extol the virtues of delaying your Social Security benefit until at least your full retirement age – 66 or 67 depending on when you were born. Many also recommend waiting even later because your benefit amount continues…
How do you secretly feel about your retirement?
What your retirement looks like to others may not be what you’re feeling inside. Can you really afford to retire? Will you or do you have enough money to last? Are you retired but feeling bored and unchallenged? You might be…
Retirement reality check: Here’s what you need to know.
So much has been written about how to plan for retirement, and especially how much money you should have saved, that it’s hard to boil it down to those few crucial things to focus on. Some pundits suggest you should…