savings
Great Progress at the Social Security Administration
Now only one year into his appointment as Commissioner of the Social Security Administration, Frank Bisignano has made an indelibly positive mark on this federal agency so crucial to Americans. Customer service levels have improved dramatically even in the face…
Retirement Savings and You
It’s a sad, but true, reality – most entering retirement do not have enough saved for that monumental lifestyle change! Financial advisors say you should have at least 10 times your final annual salary saved for retirement, but precious few…
The Clock is Ticking for Social Security Solvency
Lest we forget, this article provides an excellent treatise about Social Security’s looming financial issues, now forecast to come to pass in about six short years. Don’t panic! That doesn’t mean that Social Security is going away (as in “bankrupt)…
Increasing your Monthly Social Security Payment
Well, who doesn’t want more in the monthly Social Security check? Very few, of course, and there are a few ways to increase your SS payments. This article describe a few “lesser known” rules which you can use to get…
Eliminating Social Security’s “Retirement Earnings Test”
The bane of many a retired senior citizen who choses to work after claiming early SS benefits, the so-called “Retirement Earnings Test” is an outdated Social Security rule which is rightly being considered for elimination. The “Senior Citizens’ Freedom to…
The Age-old Question: When to Claim Social Security?
This question has perplexed senior citizens for many years: what is the best age to claim Social Security? The confusion is, i expect, the result of several things. First of all, there is an eight year window during which everyone…
Social Security Insolvency: The News Got Worse
Many Seniors are already on edge about Social Security! If you pay attention to public media, you are surely aware that the Social Security Trust Funds are forecasted to run dry soon. Last year’s projection by the Trustees of the…
Stress-test your retirement plan regularly
Retirement planning is not set in stone; things change, such as inflation and changes in tax policy; however, some things don’t. Many retirees overlook the cost of healthcare and long-term care in retirement. Jonathan Ponciano, writing for Investopedia, asks if…
Americans retirement savings plans
The Board of Governors of the Federal Reserve System stated in its 2025 report that “Sixty-seven percent of adults had assets that are specifically designated for producing income in retirement.” These findings are echoed by Fidelity’s 2026 State of Retirement…
The Case for Lifetime Income
Although retirement savings have grown, most systems still leave individuals to manage the risk of outspending or outliving their savings on their own, according to the “The Case for Lifetime Income” research paper by the Prudential/Global Aging Institute. “Retirement security…