seniors
A shifting retirement landscape
The recently released Vanguard Retirement Outlook analysis found that “if all workers had access to a defined contribution plan, retirement readiness would rise to 61 percent.” However, the U.S. retirement system has undergone a structural shift where defined benefit plans…
Medicare Open Enrollment will start Oct. 15th
Due to the government shutdown, updates to information on the Medicare.gov website may be limited or delayed. Your Medicare benefits and coverage will continue as before, and you can go to your doctor and access the health care services you…
Will your retirement savings last 25 years?
Retirement isn’t a carefree experience for everyone. Fears about money and declining health loom large, compounded by the uncertainty of what the future holds. A recent survey of pre- and post-retirees found that two-thirds of people fear running out of…
Release of the 2026 COLA on October 24th
The 2026 cost-of-living adjustment was originally scheduled for October 15th; however, due to the government shutdown continuing, it has been rescheduled for October 24th. Why the delay? Because to calculate the COLA, the Bureau of Labor Statistics must release its…
Retirement Doesn’t Always Mean You Have to Start Your Social Security Benefits Early
If you are in a position to retire early and don’t need to start your Social Security benefits at that time, congratulations! If you find yourself in a position where your early retirement wasn’t your choice, there are options you…
Scam Alert – The Following Alert is From the Social Security Administration
For Immediate Release October 8, 2025 Unexpected Letter, Text, or Email from the U.S. Supreme Court? Think Scam First The Office of the Inspector General (OIG) for the Social Security Administration (SSA) is warning the public about a…
“IRMAA:” A Medicare Surprise!!
“IRMAA:” A Medicare Surprise!! Have you ever been surprised by something that occurred more than a year ago, which you must now pay for? Such is the case for many Medicare beneficiaries who are affected by a Medicare provision known…
Claim Social Security at age 62? Or 67?
Deciding when to claim your Social Security benefits is often a confusing choice, which tends to make many just claim as soon as they become eligible at age 62. But what do you forfeit by claiming at age 62, versus…
Retirement planning isn’t just about the numbers!
Advice from financial experts seems to be quite plentiful on the internet, offering techniques to earnestly save so that you can retire in comfort. Such factors as “having ten times your salary,” and the so-called “4% rule” are two of…
The High Cost of Healthcare!!!
We all know that healthcare costs rise over time, especially as we age. So the news that higher Medicare premiums, deductibles, and surcharges are expected to go up over the next decade is hardly new news. But what may be…