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Articles in Retirement Planning

Whether you are 25 or 65, it's never too soon or too late to plan for a happy, financially-secure retirement.
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Significant Social Security Law Changes Affects Millions of Retirees

by Michelle L. Ash, CFP®, CASL® Level 17
The Bipartisan Budget Bill 2015, signed into law by President Obama on Monday, November 2nd, has made some of the most sweeping reforms to Social Security in several years.  Some of the strategies we've explored with ...(more)
Comment   |  Jan 08, 2016 from Jacksonville, FL
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SOCIAL SECURITY RULES HAVE CHANGED; WHEN DO I DRAW BENEFITS NOW?

by Michelle L. Ash, CFP®, CASL® Level 17
In November of 2015, Congress surprised many of us with effective collaboration between the Democrats and Republicans to pass the Bipartisan Budget Act of 2015.  As an American and a taxpayer I was happy to see our ...(more)
Comment   |  Jan 08, 2016 from Jacksonville, FL
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SOCIAL SECURITY RULES HAVE CHANGED; WHEN DO I DRAW BENEFITS NOW?

by Michelle L. Ash, CFP®, CASL® Level 17
In November of 2015, Congress surprised many of us with effective collaboration between the Democrats and Republicans to pass the Bipartisan Budget Act of 2015.  As an American and a taxpayer I was happy to see our ...(more)
Comment   |  Jan 08, 2016 from Jacksonville, FL
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This Simple Tip Could Make a Big Difference in Your Retirement Account

by Stephen J. Korving, CFP® Level 11
You can make a 2016 contribution to your IRA or Roth IRA as early as January 1, 2016 and as late as April 15, 2017.  It would seem obvious that the sooner you contribute to your retirement account and invest the ...(more)
Comment   |  Jan 07, 2016 from Suffolk, VA
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8 Ways Social Security Could Change in 2016

by Nathan Garcia, CFP® Level 16
The 2015 Budget Act passed in November showed that significant changes to Social Security Retirement benefits can be passed by Congress very quickly. Unfortunately, even after eliminating a lucrative filing strategy ...(more)
Comment   |  Jan 06, 2016
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Retirement success is about more than money management

by Gary A. Brooks Level 17
By Gary Brooks, CFP® Retirement is far more than an economic event. It’s a life event. Your identity may be largely redefined as you leave work and transition to a different way to spend your time and money. Many ...(more)
Comment   |  Dec 31, 2015 from Tacoma, WA
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5 Ways to Increase Your Social Security Benefits

by Nathan Garcia, CFP® Level 16
Social Security benefits currently make up 38% of income for most retirees1. With over 10,000 baby boomers retiring every day, sage retirees will maximize their benefits by understanding the following ways to get the ...(more)
Comment   |  Dec 01, 2015
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End of Social Security Filing Strategies Could Mean Lower-Than-Expected Benefits

by Brett Tushingham, CFP® Level 18
Two Social Security strategies that have enabled married couples to increase their total benefits by tens of thousands of dollars will soon be a thing of the past. For some couples, this will mean lower-than-expected ...(more)
Comment   |  Nov 19, 2015
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The Importance of Age-Based Tax Planning

by Frank Reilly Level 20
In today’s world, more and more of the responsibilities of preparing for retirement seem to fall upon each of us as individuals. As you prepare, you will unfortunately find that income taxes do not stop when you stop ...(more)
Comment   |  Oct 23, 2015 from La Mesa, CA
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General Electric Retirement Analysis

by W. David Kern, CFP® Level 14
A Closer Look At Your VPA / PPA If you’re nearing retirement from GE, chances are you’re becoming familiar with the various payout options available for both your Retirement Savings Plan (RSP) and your ...(more)
Comment   |  Oct 09, 2015
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A Contributory Tale

by Carlos Sera Level 20
A Contributory Tale “The Trick” This is a tale about developing the proper mindset.  When it comes to money, sometimes the best thing you can do to develop proper habits is to trick yourself.  Here is a trick I ...(more)
Comment   |  Sep 28, 2015
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A Liquid Tale

by Carlos Sera Level 20
A LIQUID TALE “The wealth paradox”     I call this A Liquid Tale because it instructs us of the importance of liquidity.  Liquidity means you have enough money to pay your bills.  If you don’t, you are illiquid.  ...(more)
Comment   |  Sep 28, 2015
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A Retirement Tale

by Carlos Sera Level 20
Let me introduce you to three families. One family loves to take risk and they live life certain that whatever comes their way they can handle it. The other family is super cautious. If there is any danger in sight, ...(more)
Comment   |  Sep 28, 2015
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A Lumpy Tale

by Carlos Sera Level 20
A LUMPY TALE “LUMP SUM OR PENSION”     I write this tale because every day people who are soon to retire must tell their employer if they want to receive a lump sum for all their years of service or a lifetime ...(more)
Comment   |  Sep 24, 2015
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How many seniors deny themselves Healthcare in retirement?

by Jonathan N. Castle, MSFS, CFP® Level 20
As financial and retirement planners, we spend a great deal of time trying to educate our retiring and our retired clients on the health benefits in they must rely upon in retirement – Medicare, Medicare supplements, ...(more)
Comment   |  Sep 23, 2015 from Jacksonville, FL
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How does inflation factor in to your life

by Joseph "Big Joe" A. Clark, CFP® Level 13
There’s No Magic Inflation Number Inflation can be defined as a sustained increase in prices for general goods and services in the economy and is typically measured annually. Theoretically speaking, as inflation rises, ...(more)
Comment   |  Sep 16, 2015
7 votes

The In's and Out's of Social Security

by Frank Reilly Level 20
How and when to take Social Security can add undo stress to an already highly stressful time. While you are transitioning or planning how to transition into retirement, you have the added pressures of solving the ...(more)
Comment   |  Aug 28, 2015 from La Mesa, CA
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4 Simple Ways to Make the Most of your 401K

by Tom Cooney, CPA/PFS, CFP® Level 15
Now that we are more than half way through the year it is a good time to look at where your 401k strategy stands.  Here are 4 simple steps you can take to build a strong nest egg. 1.       Contribute at least up to ...(more)
Comment   |  Aug 11, 2015 from Marlton, NJ
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Unlock the Power of Your Self-Directed IRA

by Steve Stanganelli CFP®, CRPC® Level 20
If you want to be prepared for your retirement, then take charge of  your financial future. Unlock the power of your self-directed IRA. Are you tired of making investments that someone else thinks are good for you? ...(more)
Comment   |  Aug 11, 2015 from Amesbury, MA
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Why REITs Should be in a Retirement Portfolio

by Charles H. Self III Level 17
REITs are necessary components of a truly diversified investment portfolio. Industry quantitative work shows that although they have some correlation to both the equity and fixed income markets, REITs provide enough ...(more)
Comment   |  Aug 11, 2015 from Appleton, WI
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