Choosing when to file for Social Security benefits is an important decision, particularly if you expect to depend on your monthly checks for a substantial portion of your retirement income. The age at which you begin claiming benefits has a direct impact on the amount you receive each month. By claiming as early as possible at age 62, you'll receive smaller checks. But if you wait until age 70 to file for [...]

When you've spent decades preparing for retirement, it may feel as if it can't come soon enough. But it's crucial to ensure you're actually ready to retire before you dive in, or else your senior years may not be as enjoyable as you'd hoped. There's no one-size-fits-all approach when it comes to choosing the right age to retire. However, there are a few signs that you're ready to start this [...]

Forbes compared more than 750 locales in America, measuring everything from housing costs and taxes to healthcare and air quality. These are the top 25 cities for retirees. Before the Covid-19 pandemic, Timur and Pamela Lacey had flown from their Los Angeles-area home to Austin and Atlanta and were planning trips to Dallas, Savannah, Ga., Charleston, S.C., and the Florida Gulf Coast—all in search of a more affordable locale to [...]

There are a lot of misunderstanding about the Social Security rules. Some of these rules are coming into play more than usual during the Covid-19 pandemic, so it’s important to know the rules. A misunderstanding can lead to poor decisions and lower lifetime benefits. When someone is both working and receiving Social Security benefits, there is an earnings test that limits the benefits paid before full retirement age (FRA). Before [...]

From blocking your family's information online to carrying while retired, follow these top safety tips to protect yourself (View the video)

The senior population is growing fast, and with it, a growing body of knowledge about what it takes to be truly fulfilled in our golden years. What’s become clear is that even the most well designed financial plan can’t ensure happiness on its own; we also need good health, social interaction and a sense of purpose in life. As a trusted advisor, your challenge is to help clients plan ahead [...]