Social Security Retirement Guide

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The Social Security Administration estimates that 96% of American workers are or will be eligible for Social Security retirement benefits. However, many Americans approaching social security retirement age don’t have a full understanding of benefits it provides. Many people are not aware that: Social Security is currently the largest social insurance program in the U.S., funded […]

How to Choose a Financial Adviser

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If I were handing over my life’s savings to someone else to manage, I would like to know as much as I can about that individual and the company he or she works for. You should too. In the next few paragraphs, we will explore how to choose a financial adviser based on the issues that […]

ROTH IRA Magic

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 The Magic of ROTH Most folks who’ve heard of the ROTH IRA think they already know everything they need to know about it, i.e. “It’s boring and doesn’t deliver the immediate tax deferral of a 401k or traditional IRA.”  True, setting up a ROTH IRA won’t make anyone rich.   Like any other tool, it’s only […]

Fiduciary vs Suitability

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What’s the difference between fiduciary vs suitability standard of care?  Its a legal battle that’s been going on since the recent debt crisis and involves the single most important criteria you should consider when choosing an adviser to help secure your family’s financial future. Who should you trust? Draft of SEC proposal  The Bottom Line A fee-only […]

Dear CPAs and Attorneys,

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Be a hero this tax season! Taxpayers depend on their CPAs and attorneys to offer advice when they need it. Below are some “under the radar” ideas for tax reduction, retirement, and estate planning. If you come across a client who might benefit from anything listed below, include a very short handwritten suggestion with their return, send […]

6 Ways to Get More Social Security Income over Your Lifetime

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  Picture Your Retirement with More Income Electing your Social Security income benefit may be the most important financial decision you make in your lifetime. Retirees can miss opportunities to collect hundreds of thousands of dollars of additional income over their lifetimes by making poor Social Security income election decisions. By applying little-known yet creative claiming […]