My Comments: Again, more useful insights about the Social Security benefits system. Even if you consider yourself already retired, understanding the ins and outs of the Social Security program might be very helpful to you. Reach out to me if you are still confused. Fidelity Viewpoints – 04/20/2016 Do you plan to work in retirement? …
Tag: Investment advisor
A Reverse Mortgage Can Save Your Retirement!
My Comments: Many of you may react negatively when you hear the term ‘reverse mortgage’. At one time that reaction was a reasonable response, but not any longer. Reverse mortgages are now a legitimate financial planning tool that advisors like me employ when the circumstances are appropriate. As you will read below, they can be …
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Undeniable Evidence That The Real Economy Is Already In Recession Mode
My Comments: I have clients positioned in investments that gained in excess of 40% in 2008 and 2009. But they are upset because they lost money last year. Knowing that the bull market was long in the tooth, I made the argument that a defensive posture would bode well for their money and their future …
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How Much Will Your Health Expenses Be In Retirement?
My Comments: Having access to medical care is a big deal. Having access to medical care that you can afford is a big deal. And it becomes a bigger deal when you are no longer employed and attempting to live the rest of your life with some degree of financial freedom. By Glenn Ruffenach July …
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Will You Regret Taking Social Security ASAP?
My Comments: Too many people choose to take early benefits. If you need the money, hate your job, don’t have a job, plan to die soon, or simply don’t have confidence in your life, then maybe it’s OK. But it usually turns out to be a mistake. There is a do over, but you have …
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UP or DOWN?
My Comments: Do you know what’s going to happen? Me neither. Here are two very opposing opinions of what the markets will do in the coming days. If it makes you afraid, you are not alone. My only bright spot is a program that grew by over 50% in 2008. Will it do it again? …
A 34-Year Tailwind For Stock Market Returns Has Run Out Of Steam
My Comments: Many in my profession have been waiting for a market correction of significance for at least the past 18 months. Obviously it hasn’t happened yet, but unless you expect the sun to rise in the west, it will happen, and probably sooner rather than later. More and more commentary surfaces every day that …
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Sinking Atlantic Coastline Meets Rapidly Rising Seas
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 …
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How Retirement Advice Is About to Change
My Comments: Retirement planning is one of the principal tasks of my practice. In fact, I will soon start teaching a new course sponsored by the American Financial Education Alliance (AFEA) to promote financial literacy. I’ve created a Chapter of AFEA here in Alachua County with my target audience people between the age of 55 …
Everything You Need to Know About Social Security
My Comments: The monthly income my wife and I get from SSA is a significant part of our financial freedom. We paid into the system for 50 plus years and while I like to think I’m just getting my money back, it’s really much more than that. As a financial planner and investment advisor for …
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Helping Define Your Financial Future 