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What’s on your mind about investing, preparing for retirement, or starting your Social Security, you can find it here.I provide a process so you can invest without fear and be confident living a financially, healthy, secure life.

Friday, November 20, 2020

Do you know how much money it will take to retire and how much money it will take to stay comfortably retired? As an investor, it can be tempting to get caught up in daily news headlines. Consider how news about the election and...

Thursday, November 5, 2020

It should come as no surprise that the economy is a crucial issue now. But here's something that may surprise you. More than 90% of investors say they plan to change their portfolio in the 12 months following the election.1 Some are...

Monday, November 2, 2020

On October 26, the Treasury Department released the 2021 adjusted figures for retirement account savings. Although these adjustments won’t bring any major changes, there are some minor elements to note.401(k)sThe salary deferral...

Tuesday, October 13, 2020

2021 Social Security Changes Social Security and Supplemental Security Income (SSI) benefits for approximately 70 million Americans will increase 1.3 percent in 2021, the Social Security Administration announced today. The 1.3 percent...

Tuesday, September 22, 2020

As the U.S. presidential election draws near, expect to see more and more headlines that propose, "What will happen next if this person is elected?" or, "What policy changes to prepare for in the next four years?" In reality, however,...

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Thursday, September 10, 2020

Most recently, you may have read that Federal Reserve Chair Jerome Powell announced a change in how the Fed views inflation. In the past, the Fed said it would consider adjusting short-term rates when inflation approached 2 percent....

Monday, August 17, 2020

Many people are uncertain about their financial future as they start to prepare for their retirement years and ask the question, "Will I outlive my retirement money?". So I chuckle a bit when I see headlines that say, "Here's how much...

Tuesday, August 11, 2020

When you’re young, it takes your health to make your wealth. When you get old, it takes your wealth to keep your health. © Wayne R. Fourman We hear over and over again, how important it is to maintain a healthy lifestyle....

Sunday, August 9, 2020

Lately, it can feel like each day brings a new headline about fluctuating market behavior. But amid the ups and downs of 2020, there may be some potential good news on the horizon. On July 16, 2020, the interest rate for a 30-year...

Friday, July 24, 2020

The era of COVID-19 and financial woes brings a question to the mind of many, Why is the stock market holding up so well when the economy appears to be struggling? To understand why the markets react — or don’t — to...

Wednesday, July 8, 2020

Few life events are more stressful than a job loss. If you or someone you know is in this situation due to COVID-19, you’ll likely have several questions about job hunting, unemployment insurance, and health care. You may also...

Sunday, June 28, 2020

Even in “normal” times, the news can be depressing. But these days, it can seem like there’s an awful lot to worry about. Here’s a sampling of the types of headlines I’ve seen recently: Why US hospitals...

Tuesday, June 23, 2020

As states cautiously begin the process of relaxing their COVID-19 restrictions, some are wondering, “Why is the stock market doing so well when the economy is doing so poorly?” To find the answer, we’ll need to dust...

Wednesday, June 17, 2020

The National Bureau of Economic Research (NBER) reported in recent weeks that the U.S. economy officially entered a recession in February 2020. This transition brought a 128-month expansion to an end, the longest in post World War II...

Monday, June 8, 2020

How do you make investment choices? Are your decisions based on rational analysis? Does emotion drive them? "Read More," and view the video.

Thursday, October 10, 2019

Social Security Benefits Increase in 2020 Posted on October 10, 2019 by Darlynda Bogle, Assistant Deputy Commissioner When we announce the annual cost-of-living adjustment (COLA), there’s usually an increase in the Social...

Monday, August 5, 2019

Scams involving your Social Security number and benefits are on the rise! Here are the facts: Government employees will not threaten to take away benefits or ask for money or personal information to protect your Social Security card or...

Wednesday, June 12, 2019

Why Marriage Can Turn Into A Retirement Income Loss Lower Social Security Earnings Saving for only one spouse Married and then divorced A recent study by the Center for Retirement Research at Boston College finds, "Women are spending...

Tuesday, May 28, 2019

Spruce Up Your Financial Plan with Social Security Posted on May 23, 2019 by Jim Borland, Acting Deputy Commissioner for Communications Now that tax season is over, it’s probably a good time to evaluate some financial “best...

Thursday, March 7, 2019

In the past, I've had a client's husband come to me with the question as to how he can find information for his old pension and other retirement plans left behind at previous employers. He had plans left in North Carolina, Ohio and...

Tuesday, October 23, 2018

According to the Wall Street Journal's Tuesday, October 23, 2018 article, “Banks’ Golden Deposits Are Heading Out the Door, …customers are pulling billions of dollars out of accounts that don’t earn interest...

Thursday, October 18, 2018

Many public employees considering early retirement may be in for a rude awakening. "The Pew Charitable Trusts analyzed the state pension funding gap for fiscal year 2016, the most recent year for which comprehensive data were available...

Thursday, October 4, 2018

“Women who retire when their husbands do may be giving up more wealth than they realize. Married women overall are still in their peak earning years in their 50s and early 60s, while married men’s earnings are on the...

Thursday, September 6, 2018

In The Wall Street Journal Economy section July 31, 2018, the headline reads, "U.S. Workers Get Biggest Pay Increase In Nearly a Decade." It goes on to say " U.S. workers received their biggest pay increases in nearly a decade over the...

Tuesday, August 14, 2018

According to the Wall Street Journal's Tuesday, August 14, 2018 article, "Banks Begin to Pay Depositors," online banks are leading the way, paying nearly 2%. They mention that savers now view bank accounts as a way to manage money and...

Friday, August 3, 2018

Can A Divorce Decree Keep You From Collecting Ex's Spouse Social Security Benefits? Some divorcees are saying in their divorce decree they signed a paper that they won’t collect their ex’s Social Security benefits. They...

Friday, October 13, 2017

The Social Security Administration announced October 13, 2017, that monthly Social Security and Supplemental Security Income (SSI) benefits for more than 66 million Americans will increase 2.0 percent in 2018. ” Other changes...

Monday, March 13, 2017

Jim Borland, Acting Deputy Commissioner for Communications says in his March 9, 2017 Social Security Matters says, a current email scam invites people to take advantage of “a little known Social Security contract” which...

Tuesday, November 1, 2016

Look ahead so you don't have to look back after making your Social Security claiming decision. "According to Nationwide's 3rd annual Social Security survey, some retirees regret certain retirement income decisions—and wish they...

Friday, October 28, 2016

The Social Security Administration announced October 18, 2016 that monthly Social Security and Supplemental Security Income (SSI) benefits for more than 65 million Americans will increase 0.3 percent in 2017. “The 0.3 percent...

Sunday, April 10, 2016

For more than 80 years, Social Security has helped secure today and tomorrow with information, tools and resources to meet our customers' changing needs and lifestyles. These days, with busy schedules and constant multi-tasking, it...

Wednesday, April 6, 2016

For more than 80 years, Social Security has helped secure today and tomorrow with information, tools and resources to meet our customers’ changing needs and lifestyles. April 4 – 13, 2016 is National my Social Security....

Monday, April 4, 2016

my Social Security SIMPLIFIES YOUR LIFE For more than 80 years, Social Security has helped secure today and tomorrow with information, tools and resources to meet our customers’ changing needs and lifestyles. So many people buzz...

Thursday, November 12, 2015

As part of the budget bill (H.R. 1314) to raise the U.S. debt limit, two key Social Security “loopholes” have been closed: file and suspend and restricted application for spousal benefits. The ban on file and suspend will start with...

Friday, October 16, 2015

The Social Security Administration announced October 15, 2015 that there will be no cost-of-living adjustment for benefits in 2016. As determined by the Bureau of Labor Statistics, there was no increase in the CPI-W from the third...

Friday, September 4, 2015

Using Social Security online: A real time-saverYou might think that dealing with a federal agency, such as the Social Security Administration (SSA), means long lines in some office near you. Not so: If you’re an adult, you can monitor...

Friday, September 4, 2015

You might think that dealing with a federal agency, such as the Social Security Administration (SSA), means long lines in some office near you. Not so: If you’re an adult, you can monitor your benefits situation with a few clicks of...

Monday, April 27, 2015

View this one minute video which encourages you to plan now for your future Social Security Benefits.Get your free personal online my Social Security account today!

Thursday, August 14, 2014

Social Security can be a lifeline for widows. If they become widowed at a young age, while they still have young children at home, they can receive mothers' benefits until the youngest child turns 16. Once they turn 60, they become...

Friday, October 4, 2013

According to a July 2013 working paper form the Center for Retirement Research at Boston College, women and widows have less pre-retirement income replaced by Social Security than men. What does this mean? Married women need to take an...

Thursday, August 15, 2013

What happens if your husband, age 64, was just diagnosed with terminal cancer? You are also age 64 and neither of you have started Social Security at this point. What’s the best strategy now since he only has a few months to live? It’s...

Tuesday, August 13, 2013

What happens if you file early at age 62 for Social Security benefits due to losing your job? Then you receive $1,770 for 4 months, become employed again, and your benefit automatically stops. Is the reduction you received at age 62...

Wednesday, March 6, 2013

I recently met a widower at my local YMCA who mentioned that he had just applied for his Survivor Benefit. He wasn’t quite sure of all the details, but here’s how it works. Anytime after age 60, a surviving spouse (or surviving...

Friday, January 25, 2013

Michael J. Astrue, Commissioner of Social Security, announced January 7, 2013 the agency is expanding the services available with a "my Social Security account," a personalized online account that people can use beginning in their...

Friday, August 10, 2012

The Financial Security Project of Boston College has posted a blog entitled "Social Security Advice That Harms Wives". For the complete blog see (fsp.bc.edu/social-seucrity-that-harms-wives/). It refers to a new survey of U.S....

Friday, June 8, 2012

More and more people are deciding to delay Social Security to age 70 in order to receive the highest possible benefit. But what if you retire before then? Does it make sense to withdraw funds from retirement and investment accounts to...

Thursday, December 22, 2011

Minus One: During 2011 the Social Security Administration decided to stop mailing annual statements. This was announced in April as a cost-saving move. They hoped to have statements online by the end of the year. But there is...

Tuesday, November 29, 2011

In a November 25 article in the Wall Street Journal[1] Conor Dougherty writes about how Kate Bagoy holds off on a haircut so she can buy a new car and how Massimo Liguori and his wife eat dinner out twice a month instead of at least...

Tuesday, November 15, 2011

1. Rules of thumb apply to most peoples situations. Spouses benefits can require careful consideration for those who are the lower wage earner and later draw the Survivor benefit (see Deciding on Social Security). 2. People can get...

Monday, October 31, 2011

The Government Accounting Office says that “Financial experts GAO interviewed typically recommended that retirees systematically draw down their savings and convert a portion of their savings into an income annuity to cover...