My Comments: Our esteemed Governor, Rick Scott, has decreed that the phrase ‘climate change’ cannot be uttered by any state employee. OK. But it doesn’t change the reality that the planet is experiencing a warming trend that may or may not be influenced by advances in human activity. The reality is that for the foreseeable …
Continue reading Sinking Atlantic Coastline Meets Rapidly Rising Seas
My Comments: Next month I start a new job; teaching folks about Social Security. Actually, it’s a function of my need to keep busy and an apparent ability to share 40 years of experience as a financial planner with people who need to know about this very important financial element of their lives. This article, …
Continue reading 10 Things You Must Know About Social Security
My Comments: This question has been asked every years for the almost 30 years that I’ve called myself a financial professional. Unfortunately, there is no best answer. Human nature, in the form of doubts, confidence, expectations, past experience, impatience, timing and fear, all conspire to force our hand when attempting to make intelligent decisions. Good …
Continue reading How Much Stock Should You Have in Your Retirement Accounts?
My Comments: I try hard to worry only about the present and the future. Here are seven things I took for granted today that will soon be gone. Trying to bring these back, even if they hold good memories for us, will not be possible. I tell myself to get used to it, but it’s …
My Thoughts: This is not political, but these days it's hard to not have an intelligent conversation about life without it having political overtones. And as someone intimately involved with economics and finance, these thoughts by Joe Brewer resonate with me. It's about a five minute read. By Joe Brewer, April 21, 2016 The Pain …
My Comments: Did you see the recent study that suggested continued part time work had a very positive effect on your health? My impression is that if you retire without a manifest new purpose in life, you are essentially sitting around waiting to die. I am aggressively filling my time with activities that reflect my …
My Comments: A major determinant for when you should start taking your Social Security benefits comes down to when you plan to die. If you plan to die soon, then start the payments as early as possible; if you plan to live to be 100, and have enough money now, then delay the start of …
Continue reading Ready to retire? Don’t rush your Social Security start date
My Comments: Writing about personal finance matters is something I enjoy. Given my limited vocabulary, however, I resort to finding stuff written by others that resonate with me and then sharing with others. Sometimes it works and sometimes it doesn’t. Mix this up with the current political climate and there is an added resonance for …
Continue reading The Fury Of American Voters Is In Its Infancy
My Comments: These five ways are not foolproof, but will at least give you pause for thought. In a couple of months, I’m starting a series of free workshops sponsored by the American Financial Education Alliance whose mission is to promote financial literacy across the United States. Check out their website if you are curious. …
My Comments: This is a hot topic. No one likes to leave money laying on the table. Given the chance you will live longer than expected and don’t have the financial reserves you thought you might have, taking advantage of everything possible from the Social Security system is critical for many of us. By Dan …
Continue reading Can I File and Suspend My Social Security Benefits?
Helping Define Your Financial Future 