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Most people leave a lot of money on the table when choosing their Social Security retirement benefits. It’s understandable. The rules can be complicated, and there are nuances in them. Plus, there aren’t many people offering advice on how to maximize benefits. Last month and in other visits we detailed different ways married couples can […]
At the bottom of the list of insurance policies most people consider is disability insurance. It’s the last policy people buy and the first they cut when cash becomes tight. Yet, disability insurance is essential for a package of complete protection, and at many ages you’re more likely to need it than other types of […]
One of the most frequent questions I receive is: How can I implement your in-vestment recommendations through my 401(k) plan? A related question is whether a reader should keep assets at the 401(k) plan when leaving an employer or roll over the assets to an IRA. The sad fact is that most 401(k) plans aren’t […]
BlackRock has a useful chart on its web site that can give you a quick and dirty read on whether you’re planning to spend too much in retirement. Choose an estimated investment return, match it to a withdrawal rate from your nest egg, and it shows how long your money will last. It’s interesting to […]
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When your business is doing well, one way to save taxes at the last minute is to set up a retirement plan and make a deductible contribution. Often you can make the contribution after the year is over. There is a wide array of retirement plan options available to the self-employed. The trick is to […]
Medicare beneficiaries have been through a series of changes in recent years, and more changes are coming next year.The changes aren’t all positive, so they were released quietly last Friday. The good news are in the Part D Prescription Drug program. The deductible is being decreased to $310 for 2014. That’s a 4.6% decline. The […]
Ezra Klein of The Washington Post periodically writes provocative columns about Social Security and Medicare. One of his basic points is that seniors haven’t really paid for the benefits they’re expecting to receive during retirement. Most have paid less in Medicare payroll taxes than they’ll receive in benefits. For Social Security, it’s more of a […]
Each generation in the U.S. has a higher standard of living than the previous generation. It isn’t always true from family to family, but as a nation that’s been the case. That trend is about to stop, according to a number of studies reviewed by The Washington Post. For many years there has been concern […]
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