Planning matters

Salary Impacts to Social Security

Isn’t my Social Security benefit based on my last three years of salary? One topic we routinely talk about with clients is when to draw Social Security. Often, that also leads to discussing how much their salary in their final working years will impact the amount of their benefit. 

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Pearls of Wisdom: Is a Retirement Community Right For You?

Seniors move into continuing care retirement communities expecting to enjoy amenities such as libraries, fitness centers, and dining rooms while they’re healthy, and to receive excellent skilled-nursing care if they fall ill. When all the pieces fall into place, that’s exactly what happens. It’s important to ask the right questions to ensure that the facilities…

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DOWNSIZING

  At some point in life, most of us decide to downsize. The children have left the nest, the home office is closed for business, scrubbing floors or the pool has lost its appeal.  We want to move toward another phase of our life plan, but as one client told me recently: “All of these excess…

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The World is Still Flat

The U.S. generates about 25% of global GDP, yet its share of world stock market capitalization represents over half the entire globe, a twenty-year high …

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Perspective on the Market

If you’re hearing the stock market news and thinking, “If I call, my planner is just going to tell me I’m well-allocated and to stay focused on the long-term, but boy that is a big drop”, you’re both correct and not alone. Downward movement in the market can be difficult to bear after we’ve enjoyed such a long period of relative quiet and strong returns.  For some, the market activity of the past week is bringing flashbacks to 2008…

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