Articles
Social Security and Government Employees: Part One – The Basics
Government employees are a seriously under served market, particularly when it comes to Social Security. And there’s one interesting reason: Very few people truly understand how Social Security integrates with “non-covered” pensions. That is, pensions, often for state...
Divorce and Remarriage
What happens to Social Security after divorce occurs? Here's a quick summary. First, a divorced spouse who was married for at least ten years is entitled to the same Social Security spousal benefit as a married spouse. That is, he or she may receive up to 50 percent...
How Do You Define Success?
Is it revenue, income or innovation? Perhaps your ability to give back to your community? Maybe improved well-being of your employees and increased ability to provide for your own family? Maybe you’re just starting out and want it all. Whatever your financial goals,...
Will it Still Be There?
There is some disturbing language—in bold print, no less—on the second page of any individual Social Security statement issued by the SSA: Your estimated benefits are based on current law. Congress has made changes to the law in the past and can do so at any time. The...
An In-Depth Case Study on Social Security Taxation
When you take a serious look at the nuts and bolts of Social Security taxation, the results are staggering. And so is the amount of money you can save if you plan properly. And by planning properly, we mean that you can save a great deal of money in taxes...
Social Security—A Single Life Only Benefit
You look into the future. You picture yourselves as a couple who has worked together, accumulated your assets together, and combined your incomes to create your lifestyle for your “golden years.” It’s been a productive life and you live within your means. It appears...
When Term Insurance Is Your Choice
Term insurance is easy to understand. You pay the premiums and you have life insurance . . . no bells, no whistles. However, term products can differ. So it pays to compare different term products to your personal financial objectives.
Planning for College? Consider This Option
Will your children or grandchildren be prepared for retirement in 40 to 60 years? Are they too young for you to think about that? Perhaps not. Can they count on Social Security? Can they count on their employer providing a retirement plan or the stock market...
The 5 Most Common Mistakes When Claiming Social Security
When it comes to claiming Social Security, one thing is abundantly clear: every situation is different. And that’s a big reason so many people end up confused. by William F. Rainaldi, CFP® Regional Vice President
The Dow Dips
"It was the scariest day on Wall Street in years." That's how CNN described the Dow dip that took place on February 5. However, the stock market is known for these "dips," and the February 5 dip was not a once-in-a-lifetime event. So how do you help protect yourself...
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