retirement
New Retirement Withdrawal Rate in 2026
If you are in your first year of mandatory withdrawals, the following article offers you some quidelines on how much to withdraw in your first year. The goal is to ensure your retirement funds last at least 30 years. The…
Retirement Thoughts: What are concerns most future retirees?
For many future retirees, the goal was to increase savings to a level that would be comforting, and for many, that meant a seven-figure balance in their cash-asset ledger. Things have changed a bit. A recent BlackRock survey, for example, indicates that…
Social Security’s looming insolvency and peparatory steps you can consider
Most who are tuned in to Social Security’s problems are aware of the projected — and fast-approaching — insolvency. It’s frequently covered in the news media, and is a frequent topic addressed here on this website. Most experts do not…
“Trump Accounts” Hit the Street Running
The tax-advantaged savings opportunities created by the One Big Beautiful Bill Act offer a pathway to wealth accumulation that could help address a long-standing challenge for future retirees: the lack of financial resources to replace pre-retirement earnings when Social Security…
Achieving an Effective Strategy for Social Security Benefits Requires Knowledge
Without question, the world of Social Security is one of the most complex areas to navigate. The decisions can seem intimidating and heavily weighted, given that they are, for the most part, permanent. For this reason, it is essential that…
Filing for Benefits in 2026? Here are some steps to take in advance.
It’s a big decision…one that for most folks will have a substantial impact on their standard of living in their later years. Because of its significance in retirement planning, it’s essential to take several key steps well in advance of…
More Thoughts on the “When to File” Question…Age 62 Might Not Be All That Wrong?
When to file for Social Security benefits is one of the more daunting decisions seniors in their early 60s need to make. In fact, here at the AMAC Foundation Social Security Advisory Service, it’s one of the top questions we…
Creating incentives for lifetime income solutions
Only 12 percent of private sector workers have access to traditional pensions, which, at one time, was the cornerstone of company retirement plans. “America’s retirement system is at a pivotal turning point, and a number of changes are needed to…
Decluttering to save money and space in retirement
We have seen those commercials depicting retirees with a carefree life; however, many older Americans entering their retirement years are experiencing anxiety due to decades of “just in case” purchases collecting dust in their garages or attics. These dust collectors…
Crunching the numbers of early versus delaying Social Security
You can start receiving your Social Security retirement benefits as early as age 62. If you start receiving benefits early, your benefits will be permanently reduced. However, you are entitled to full benefits only when you start at your full…