Articles
Looking for something?
Tax Considerations When Delaying Social Security
Delaying Social Security can potentially contribute to an overall tax strategy for retirement. Every case is different, but generally speaking, when you add taxes to the mix, the case for delaying Social Security becomes even stronger than usual.
Claiming Social Security at 62 or 70
When it comes to claiming Social Security, timing is everything. Should you claim as soon
When Are People Claiming Social Security?
One of the hottest topics in retirement income planning over the past several years has been how to help individuals strategize on their Social Security claiming decisions.
Social Security as an “Investment”
The alternative to treating Social Security as insurance is to view it as an investment, or as a gamble on how long one lives. This can be problematic.
Inflation and Your Retirement Plan
Planning for inflation is crucial when designing your retirement plan. While the average annual inflation
What is Risk?
Risk is one of those complicated concepts that you can’t really pin down to one definition, but it’s the single most important factor for investors.
Social Security: The Best Annuity Money Can Buy
A final frame for viewing the Social Security claiming decision is as an annuity purchase.
How Time Horizon and Discount Rate Affect Your Social Security Decision
One way to view the decision to delay Social Security as an “investment” is by using a present value calculation to identify which strategy can provide the most lifetime Social Security benefits and which strategy creates the lowest funding needs for your investment portfolio. This calculation requires deciding on a time horizon and a discount rate.
Fixed Horizons vs. Survival Probabilities in Retirement Planning
How long you are going to live (and spend) is an incredibly important number in
Essential vs. Discretionary Spending: Planning Your Retirement Budget
Not all of your spending is created equal. And it would help if you didn’t
Transitions in Retirement: A Whirlwind of Change
Retirement is sometimes portrayed as a relatively uneventful, static chapter in life. In fact, nothing
What to Do in Retirement: Finding Purpose Beyond the Numbers
There’s a lot of focus on the “numbers” in retirement planning. And there’s a lot
