Blog

Elements of Investing

Clients and friends ask all the time where they should put their money. That’s a great question, and it would be even better if there were a one-size-fits-all answer. Unfortunately, though, market performance is fickle. The same...

Year-End Tax Checklist

Tax time is upon us and that means gathering all of your documents needed and get them in one place to make filing your taxes as easy as possible. We thought it would be helpful to send along this handy checklist to help with that. As...

Financial New Year's Resolutions

We wish you a very happy new year! As we close in on year-end, a common topic of conversation amongst friends and family is what resolutions they vow to make in the new year. One of the top kind of resolutions deal with finances in...

Setting & Keeping Annual Goals

Every new year represents a new beginning for many of my clients. And with that new beginning comes some new goals to accomplish over the next year or two. Big or small, setting goals creates a path to greater happiness and more...

Avoid Holiday Credit Card Debt

The holidays are upon us which means the inevitable increased spending on gifts, travel and festive activities. While it’s nearly impossible not to spend more during these next few weeks, the less credit card debt accumulated...

Saving vs. Investing - Two very different things!

Saving vs. Investing…it’s often the first choice investors have to make when they decide it’s time to get serious about their financial futures. But because I hear these two words used interchangeably so frequently,...

INFLATION & YOUR MONEY

“If the current annual inflation rate is only 2.2%, why do my bills seem like they're 10% higher than last year?” Many of us ask ourselves that question, and it illustrates the importance of understanding how inflation is...

A LOOK AT WHOLE LIFE INSURANCE

Whole life insurance is designed to remain in force for your whole life, as long as you remain current with your premiums. In exchange for fixed premiums, the insurance company promises to pay a set benefit when the policyholder dies....

Approaching Retirement - Accumulation Phase

As a financial professional, my conversations with clients often center around retirement goals and dreams. When we really think about what retirement is, it’s not just about doing all the things you enjoy most, it’s...

MediCare Open Enrollment

The annual open enrollment season for Medicare this year runs from October 15 through December 7. This open enrollment period is an opportunity for Medicare users to re-shop healthcare and drug coverage choices. It’s very likely...

Will You Be Enjoying Your Retirement?

Have you started planning out your retirement dreams? Most of us develop a vision that includes spending time relaxing, traveling, taking up new hobbies, meeting new friends, and reconnecting with old ones. Dreaming about the future...

The Pre-Retirement Checklist

HOW PREPARED ARE YOU? Getting ready for retirement? Before you can cross that bridge, you’ll need to cross some important items off your to-do list. But thanks to our work together, you might be more prepared than you think!...

Fixed Or Variable Mortgage, Which Should You Pick?

FIXED OR VARIABLE MORTGAGE, WHICH SHOULD YOU PICK? Buying a home is the single-largest financial commitment most people ever make. And sorting through mortgages involves a lot of critical choices. One of these is choosing between a...

Estate Management Checklist

ESTATE MANAGEMENT CHECKLIST Do you have a will? A will enables you to specify who you want to inherit your property and other assets. A will also enables you to name a guardian for your minor children. Do you have healthcare documents...

Disability And Your Finances

DISABILITY AND YOUR FINANCES The Social Security Disability Insurance program paid out $143.7 billion in benefits in 2018. And with new applicants each year, the system is expected to exhaust its reserves at the end of 2034 if changes...

Do You Owe The AMT?

DO YOU OWE THE AMT? Tip: AMT payers may qualify for the “minimum tax credit,” which allows individuals to claim a full or partial credit for past AMT taxes on future returns. American educational reformer Horace Mann...

The Cost of Procrastination

THE COST OF PROCRASTINATION Tip: Don’t Put it Off. Putting off an easy thing makes it hard. Putting off a hard thing makes it impossible.-George Claude Lorimer Some of us share a common experience. You’re driving along...

Creative Ways To Motivate Your Employees

CREATIVE WAYS TO MOTIVATE YOUR EMPLOYEES The common thread that runs through all small businesses, from professional services to manufacturing, is that a motivated workforce is central to the business’s success. Here are some...

Good Health Is Good Business

GOOD HEALTH IS GOOD BUSINESS According to the Centers for Disease Control and Prevention, productivity losses linked to employees not showing up for work cost employers $226 billion annually, or $1,685 per worker.¹ Business...

Personal Finance Tips For Military Families

PERSONAL FINANCE TIPS FOR MILITARY FAMILIES One survey found that military personnel have higher credit card debt and fewer tangible assets than their civilian counterparts.¹ While the financial situation of military personnel...

Reviewing Retirement Plan Options

As a business owner offering a retirement savings plan to your employees, it’s important to go over your plan every year to make sure it’s still meeting your needs. Here are some things we typically should review: Match...

Understanding Marginal Income Tax Brackets

UNDERSTANDING MARGINAL INCOME TAX BRACKETS Tip: High Bracket. In 1944, the highest federal income tax bracket was 94%. It applied to all income above $200,000 a year and applied to all taxpayers, regardless of filing status. Source:...

What Do Your Taxes Pay For?

WHAT DO YOUR TAXES PAY FOR? Tip: Mid May. If the government had raised taxes enough to cover federal borrowing, we would have had to work until May 6 just to cover the tax bill.Source: Tax Foundation, 2018 Taxes are one of the biggest...

Death Is No Excuse

DEATH IS NO EXCUSE The federal government is an equal-opportunity tax assessor. Even the dead can’t escape taxes. The final accounting required of the deceased is not limited to an estate tax filing, but a federal income tax...

Tax Deductions You Won't Believe

TAX DEDUCTIONS YOU WON'T BELIEVE While Americans are entitled to take every legitimate deduction to manage their taxes, the Internal Revenue Service (IRS) places limits on your creativity. Here are some examples of deductions from the...

Inflation & Your Money

INFLATION & YOUR MONEY Tip: Back in the 80s. What would have cost you $1.00 in 1985 will now cost you $2.27 due to inflation. It’s important to factor in inflation as you consider your financial future.Source: Bureau of Labor...

A House Divided

A HOUSE DIVIDED Tip: School of Thought. Researchers typically peg the divorce rate at around 50%, but for those with at least a bachelor's degree, the number falls to below 30%. The Washington Post, April 6, 2016 The latest research...

Volunteering In Retirement

VOLUNTEERING IN RETIREMENT “This generation got no destination to hold...We are volunteers of America”“Volunteers” by Jefferson Airplane¹ Those of a certain age will recall these Jefferson Airplane lyrics...

The History of Retirement

A Decision Not Made Is Still A Decision

A DECISION NOT MADE IS STILL A DECISION Whether through inertia or trepidation, investors who put off important investment decisions might consider the admonition offered by motivational speaker Brian Tracy, “Almost any decision...

Retiree Health Care Coverage Overseas

RETIREE HEALTH CARE COVERAGE OVERSEAS According to AARP, 47% of baby boomers expected to travel internationally in 2018. Overseas travel may be one of the more popular aspirations in retirement, but it does beg an important...

Inflation - Back To The Future

INFLATION - BACK TO THE FUTURE Inflation sometimes seems like one of those afflictions of an era long since passed into the history books. While it’s true that double-digit inflation has been absent for the last 30 years or more...

How Will Working Affect Social Security Benefits?

HOW WILL WORKING AFFECT SOCIAL SECURITY BENEFITS? Tip: Rules, Rules, Rules. Different rules apply for those receiving Social Security disability benefits vs. Supplemental Security income payments. Different rules also apply for those...

Eight Mistakes That Can Upend Your Retirement

EIGHT MISTAKES THAT CAN UPEND YOUR RETIREMENT Pursuing your retirement dreams is challenging enough without making some common, and very avoidable, mistakes. Here are eight big mistakes to steer clear of, if possible. No Strategy: Yes...

Where Will Your Retirement Money Come From?

WHERE WILL YOUR RETIREMENT MONEY COME FROM? Tip: Retiring Older. One survey found 22% of baby boomers have found it difficult to pay mortgages or rent and have postponed plans to retire.Source: Insured Retirement Institute, 2018 For...

Does Your Credit Score Affect Your Insurance Rates?

DOES YOUR CREDIT SCORE AFFECT YOUR INSURANCE RATES? One landmark study found that credit-based insurance scores are used by about 95 percent of all auto and home insurers in calculating the cost of insurance to individuals.¹...

How Does Your Credit Score Compare?

HOW DOES YOUR CREDIT SCORE COMPARE? Fast Fact: Get Over It. A bad credit score doesn’t last forever. Since your credit score is a "snapshot" of your risk at a particular point in time, it changes as new information is added to...

Four Really Good Reasons To Invest

FOUR REALLY GOOD REASONS TO INVEST Forty-six percent of Americans do not own any stocks or stock-related investments, such as mutual funds, according to a recent Gallup poll.¹ Individuals may cite different reasons for not...

Countdown To College

COUNTDOWN TO COLLEGE Tip: Parlez-vous Francais? Many universities like to see multiple years of foreign language on a transcript. Source: Collegeapps.about.com, March 11, 2016 Most parents want to give their children the best...

The Cost of Procrastination

THE COST OF PROCRASTINATION Tip: Don’t Put it Off. Putting off an easy thing makes it hard. Putting off a hard thing makes it impossible.-George Claude Lorimer Some of us share a common experience. You’re driving along...

Strategies For Managing Student Loan Debt

STRATEGIES FOR MANAGING STUDENT LOAN DEBT If college were a party, then student loans are the hangover. Unfortunately, the “hair of the dog” won't cure this headache, but here are some ideas for managing your student loan...

Stop Wasting Money

STOP WASTING MONEY Benjamin Franklin once said, “a penny saved is a penny earned.”¹ The modern upgrade to that observation might be that $100 not spent is more like $143.² One way to find the money to meet your...

Avoiding Cognitive Decline

AVOIDING COGNITIVE DECLINE Of those aged 65 and older, 10 to 20 percent have mild cognitive impairment. In addition, women have a 1 in 6 chance — and men have a 1 in 11 chance — of developing Alzheimer’s during the...

Does Your Portfolio Fit Your Retirement Lifestyle?

DOES YOUR PORTFOLIO FIT YOUR RETIREMENT LIFESTYLE? Most portfolios are constructed based on an individual's investment objective, risk tolerance, and time horizon. Using these inputs and sophisticated portfolio-optimization...

Caring For Aging Parents

CARING FOR AGING PARENTS Thanks to healthier lifestyles and advances in modern medicine, the worldwide population over age 60 is growing. The United Nations estimates that by 2050 the number of people aged 60 and older will have more...

Four Reasons Millennials Need An Estate Strategy

FOUR REASONS MILLENNIALS NEED AN ESTATE STRATEGY You’re young, have little in savings and likely have no one yet relying on you financially. So why do you need to think about estate management?¹ Here are four great reasons:...

Revising Estate Strategy Assumptions

REVISING ESTATE STRATEGY ASSUMPTIONS When the rules of the game change, tactics should follow in response to the new landscape. While estate tax exemptions have ridden an uncertain roller coaster in recent years, the rules appear to...

Put It In A Letter

PUT IT IN A LETTER Tip: Contact Information. A letter of instruction might include contact information for individuals who could be helpful in the distribution of your assets, such as your lawyer or financial professional. Actor Lee...

Three Key Questions To Answer Before Taking Social Security

THREE KEY QUESTIONS TO ANSWER BEFORE TAKING SOCIAL SECURITY Social Security is a critical component of the retirement financial strategy for many Americans, so before you begin taking it, you should consider three important questions....

Important Birthdays Over 50

IMPORTANT BIRTHDAYS OVER 50 Tip: Average Benefit. In March 2018, the average monthly Social Security benefit for a retired worker was about $1,410.Source: Social Security Administration, 2018 Most children stop being...

Death Is No Excuse

DEATH IS NO EXCUSE The federal government is an equal-opportunity tax assessor. Even the dead can’t escape taxes. The final accounting required of the deceased is not limited to an estate tax filing, but a federal income tax...

Estimating Your Estate Taxes

ESTIMATING YOUR ESTATE TAXES Fast Fact: Estate Tax Changes. In 2010, the estate tax expired. It was reinstated by Congress as part of the Taxpayer Relief Act of 2010, with a maximum estate tax rate of 35% and a unified credit that...

Healthcare Costs In Retirement

HEALTHCARE COSTS IN RETIREMENT Tip: Medicare beneficiaries spent an average of $5,503 out of pocket on healthcare in 2013, the most recent year for which figures are available. That includes premiums and costs for things like dental...

Retirement Income And The Traditional Portfolio

RETIREMENT INCOME AND THE TRADITIONAL PORTFOLIO Taking withdrawals from a traditional portfolio exposes fixed-income investors to “sequence of returns” danger. In other words, experiencing negative returns early in...

Should You Borrow From Your 401(K)?

SHOULD YOU BORROW FROM YOUR 401(K)? The average household with credit card debt had a balance of $15,983 in 2017, nearly eclipsing the peak of $16,900 in 2008.¹ With the average credit card annual percentage rate sitting at 14.9%...

Catch-Up Contributions

CATCH-UP CONTRIBUTIONS A recent survey found that 17% of people were very confident about having enough money to live comfortably through their retirement years. At the same time, 36% were not confident.¹ Congress in 2001 passed...

Three Key Questions To Answer Before Taking Social Security

THREE KEY QUESTIONS TO ANSWER BEFORE TAKING SOCIAL SECURITY Social Security is a critical component of the retirement financial strategy for many Americans, so before you begin taking it, you should consider three important questions....

Systematic Withdrawals in Retirement

SYSTEMATIC WITHDRAWALS IN RETIREMENT Many of us grew up with the concept that making regular, periodic contributions to our retirement account was a sound investment strategy. The idea was that, in a fluctuating market, regularly...

Planning For The Expected

PLANNING FOR THE EXPECTED Perhaps Bette Davis said it best when she observed, “Old age is no place for sissies.”¹ The challenges seniors have met throughout their lives have made them wiser and stronger, preparing...

Money That Buys Good Health Is Never Ill Spent

MONEY THAT BUYS GOOD HEALTH IS NEVER ILL SPENT According to the Kaiser Family Foundation, the average person covered by Medicare has out-of-pocket medical expenses in excess of $5,500 a year. Premium costs accounted for 28% of the...

Investing With Your Heart

INVESTING WITH YOUR HEART Some individuals believe that return on investment shouldn’t be the only criterion for how they invest their money. For them, the social impact of investing is just as important—perhaps, more...

Mutual Funds Vs. ETFs

MUTUAL FUNDS VS. ETFS Tip: Watch the Account Minimum. Mutual funds often have an account minimum. By contrast, an ETF has no account minimum; you can buy as many or as few shares as you wish. The growth of exchange-traded funds (ETFs)...

Insurance Needs Assessment: For Empty Nesters and Retirees

INSURANCE NEEDS ASSESSMENT: FOR EMPTY NESTERS AND RETIREES With the children now out of the house, financial priorities become more focused on preparing for retirement. At this stage, you may very likely be at the height of your...

Get Paid For Going Green

GET PAID FOR GOING GREEN Tip: DSIRE is a comprehensive source of information on local, state, federal, and utility incentives and policies that support renewable energy and energy efficiency. Source: DSIREusa.org, 2017 Americans will...

Four Steps To Valuing An Estate

FOUR STEPS TO VALUING AN ESTATE Determining the value of an estate is a fundamental first step in estate management and a critical requirement for settling a decedent’s estate.¹ How to Assess the Value of an Estate Select...

And The Executor Is

AND THE EXECUTOR IS Tip: Generally, children under the age of 18 cannot be executors. Source: Plea.org, May 20, 2016 In her will, American businesswoman Leona Helmsley left $12 million in a trust fund to her dog Trouble. Her four...

A Primer On Irrevocable Life Insurance Trusts

A PRIMER ON IRREVOCABLE LIFE INSURANCE TRUSTS I’m proud to pay taxes in the United States; the only thing is, I could be just as proud for half the money.Entertainer Arthur Godfrey1 The irrevocable life insurance trust (ILIT)...

4 Reasons For The Return of Market Volatility

4 REASONS FOR THE RETURN OF MARKET VOLATILITY Until early 2018, stocks were enjoying their longest period without a five percent pullback in nearly 90 years.1,2 But in early February, that calm came to a sudden and decisive end, as...

Debt Stress

DEBT STRESS The average American household with debt owes $132,158. And credit card debt accounts for $15,675 of that.¹ Little wonder that money worries are a major cause of stress. The Link Between Stress and Health Humans have...

Catch-Up Contributions

CATCH-UP CONTRIBUTIONS A recent survey found that 17% of people were very confident about having enough money to live comfortably through their retirement years. At the same time, 36% were not confident.¹ Congress in 2001 passed...

Healthy Body, Healthy Pocketbook

HEALTHY BODY, HEALTHY POCKETBOOK Tip: Healthy Targets. Generally speaking, cholesterol should be 200mg/dL or lower. And a good blood pressure level is 120/80 mmHg or less. People save for a variety of things in retirement. Some dream...

A Taxing Story: Capital Gains And Losses

A TAXING STORY: CAPITAL GAINS AND LOSSES Chris Rock once remarked, “You don’t pay taxes, they take taxes.”¹ That applies not only to income, but also to capital gains. Capital gains result when an individual...

Critical Estate Documents

CRITICAL ESTATE DOCUMENTS Financial Documents Joint Ownership Durable Power of Attorney Living Trust What does it do? Enables you to own property jointly with another person Authorizes someone to handle legal and financial decisions...

Alternative Investments - Going Mainstream

ALTERNATIVE INVESTMENTS - GOING MAINSTREAM Recent years have witnessed the mainstreaming of alternative investments for certain accredited investors. In fact, one study found that alternative investments have grown to make up about...

Does Your Child Need To File An Income Tax Return?

DOES YOUR CHILD NEED TO FILE AN INCOME TAX RETURN? As parents, we encourage our children to work so they can learn important values about work and independence. At what point, if at all, do children need to file an income tax return...

Changing Unhealthy Behaviors

CHANGING UNHEALTHY BEHAVIORS Most Americans know the fundamentals of good health: exercise, proper diet, sufficient sleep, regular check-ups, and no smoking or excessive alcohol. Yet, despite this knowledge, changing existing...

Estimating The Cost Of College

ESTIMATING THE COST OF COLLEGE Tip: Public Costs. Average in–state tuition and fees for public four-year institutions was $9,970 for the 2017-2018 school year. Out-of-state tuition for these same institutions averaged $25,620...

Caring For Aging Parents

CARING FOR AGING PARENTS Thanks to healthier lifestyles and advances in modern medicine, the worldwide population over age 60 is growing. The United Nations estimates that by 2050 the number of people aged 60 and older will have more...

Choices For Your 401(K) At A Former Employer

CHOICES FOR YOUR 401(K) AT A FORMER EMPLOYER One of the common threads of a mobile workforce is that many individuals who leave their job are faced with a decision about what to do with their 401(k) account.¹ Individuals have...

All Muni Bonds Are Not Created Equal

ALL MUNI BONDS ARE NOT CREATED EQUAL The city of Detroit emerged from bankruptcy in 2014. Still, its previous inability to pay investors left some questioning their long-held assumption about the relative safety of municipal bonds...

"Dirty Dozen" Tax Scams To Watch For

“DIRTY DOZEN” TAX SCAMS TO WATCH FOR Every year the Internal Revenue Service (IRS) releases its list of tax scams, spotlighting the myriad ways that people try to separate you from your money.¹ The 2016 “Dirty...

CERTAIN UNCERTAINTIES IN RETIREMENT

CERTAIN UNCERTAINTIES IN RETIREMENT The uncertainties we face in retirement can erode our sense of confidence, potentially undermining our outlook during those years. Indeed, according to the 2017 Retirement Confidence Survey by the...

Budget Check Up: Tax Time Is The Right Time

BUDGET CHECK UP: TAX TIME IS THE RIGHT TIME Tip: Be careful with cash. Cash purchases don’t show up on monthly statements, making them more difficult to track. Consider keeping receipts for all cash purchases. Every year, about...

A Primer On Irrevocable Life Insurance Trusts

A PRIMER ON IRREVOCABLE LIFE INSURANCE TRUSTS I’m proud to pay taxes in the United States; the only thing is, I could be just as proud for half the money.Entertainer Arthur Godfrey1 The irrevocable life insurance trust (ILIT)...

How Will Working Affect Social Security Benefits?

HOW WILL WORKING AFFECT SOCIAL SECURITY BENEFITS? In a recent survey, 79% of current workers stated they plan to work for pay after retiring.¹ And that possibility raises an interesting question: How will working affect Social...

A Penny Saved Is Two Pennies Earned

A PENNY SAVED IS TWO PENNIES EARNED This modern twist on the Ben Franklin maxim reflects the multiplicity of taxes to which earnings are subject in today’s world.¹ Finding ways to manage expenses is one of the cornerstones...

Does Your Portfolio Fit Your Retirement Lifestyle?

DOES YOUR PORTFOLIO FIT YOUR RETIREMENT LIFESTYLE? Most portfolios are constructed based on an individual's investment objective, risk tolerance, and time horizon. Using these inputs and sophisticated portfolio-optimization...

A Look At Whole Life Insurance

A LOOK AT WHOLE LIFE INSURANCE Whole life insurance remains in force for your whole life, as long as you remain current with your premiums. In exchange for fixed premiums, the insurance company promises to pay a set benefit when the...

Traditional Vs. Roth IRA

Tip: Not Quite Anything. IRAs are free to invest in just about anything, except collectibles such as artwork, rugs, antiques, gems, stamps, and coins, for example. Traditional IRAs, which were created in 1974, are owned by roughly 35.1...

A Cheat Sheet For Sending Your Kid To College

A CHEAT SHEET FOR SENDING YOUR KID TO COLLEGE College marks a great milestone in a child’s life. It may be the first time he or she will live away from home. Dropping off your child at college may be an experience loaded with...

Orchestrating Your Retirement Accounts

ORCHESTRATING YOUR RETIREMENT ACCOUNTS An orchestra is merely a collection of instruments, each creating a unique sound. It is only when a conductor leads them that they produce the beautiful music imagined by the composer. The same...

Best Performing Asset Classes

BEST PERFORMING ASSET CLASSES According to Yale University's Crash Confidence Index, only about 27% of investors are confident the stock market will not crash sometime during the next six months.1 But if fear leads investors to avoid...

A Look At Diversification

A LOOK AT DIVERSIFICATION Ancient Chinese merchants are said to have developed a unique way to manage their risk. They would divide their shipments among several different vessels. That way, if one ship were to sink or be attacked by...

Four Really Good Reasons To Invest

FOUR REALLY GOOD REASONS TO INVEST Forty-six percent of Americans do not own any stocks or stock-related investments, such as mutual funds, according to a recent Gallup poll.¹ Individuals may cite different reasons for not...

A Primer On Dividends

A PRIMER ON DIVIDENDS When interest rates reach historic lows, some investors in search of income-generating investments turn to dividend-yielding stocks. Dividends are taxable payments made by a company to its shareholders. When a...

Assess Life Insurance Needs

ASSESS LIFE INSURANCE NEEDS Tip: Final Cost. Paying for a funeral can be a financial burden on a family. Make sure your estate management will provide your loved ones with sufficient funds to cover this important cost. If your family...

7 Reasons A Roth IRA May Be A Good Idea for You or Someone You Love

7 Reasons a Roth IRA May Be a Good Idea for You or Someone You Love It’s almost tax time. During April, many people take advantage of the opportunity to reduce taxes by funding a Traditional IRA. While that makes sense for some...

A Living Trust Primer

A LIVING TRUST PRIMER A living trust is a popular consideration in many estate strategy conversations, but its appropriateness will depend upon your individual needs and objectives. What is a living trust? A living trust is created...

START TALKING ABOUT RETIREMENT

Start Talking About Retirement If you ask people what creates stress in their lives, money is often at the top of the list. Stress in America: Paying With Our Health found money was a somewhat or a very significant source of stress in...

CHOOSING A RETIREMENT PLAN THAT FITS YOUR BUSINESS

CHOOSING A RETIREMENT PLAN THAT FITS YOUR BUSINESS One survey found that 79% of small business owners expect at least some of their retirement income to come from tax-advantaged retirement savings accounts.¹ If you have yet to...

A BUCKET PLAN TO GO WITH YOUR BUCKET LIST

A BUCKET PLAN TO GO WITH YOUR BUCKET LIST The baby boomers have re-defined everything they’ve touched, from music to marriage to parenting and, more lately, to what “old” means—60 is the new 50! Longer,...

A BRIEF HISTORY OF ESTATE TAXES

A BRIEF HISTORY OF ESTATE TAXES Tip: Regardless of your net worth, it’s critical to understand your choices when developing an estate strategy. Federal estate taxes have been a source of funding for the federal government almost...

9 FACTS ABOUT RETIREMENT

Tip: Nearly 70% of workers expect to work for pay in retirement, but only 26% of retirees actually have done so. Source: 2018 Retirement Confidence Survey, EBRI Retirement can have many meanings. For some, it will be a time to travel...

9 Facts About Social Security

Tip: How Much? Check your Social Security earnings and see an estimate of your benefits on the Web site, www.ssa.gov. Social Security’s been a fact of retirement life ever since it was established in 1935. We all think we know...