Social Security

Indexing Error?

Picking stocks is an art form that is dying a passive death. I say “passive” because the influx of passive investing into the market has taken a lot of business from investment advisors.But investments that track the market, or segments of it, are a house of cards in themselves. Sure, the upside is promising. But …

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New Budget Kills Two Valuable Retirement Planning Tools

Last week I wrote about President Obama’s latest budget, and today I want to focus on two significant Social Security strategies that will be eliminated as a result of that deal. The first is file-and-suspend, where couples could increase their overall benefits by voluntarily foregoing them up until age 70. Let’s look at a common example of …

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Potential Legal Changes That Could Affect Your Retirement

Much of my industry revolves around understanding financially-related laws and how to navigate them. As you can imagine, there are several ways to maximize retirement benefits, many of which the government considers “loopholes.” Unfortunately, some of the most popular strategies are under threat from proposed legislation. Here are three that could be off limits in the …

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Social Security Disability on a Dangerous Path

If projections are true, a potential disaster is on the horizon for the nearly 9 million disabled workers (and their spouses and dependents) receiving Social Security disability benefits.  That’s because the Disability Insurance Trust Fund that funds these benefits is on course to become insolvent in late 2016.  The reasons for this situation are numerous and complex – …

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