2015 Final Update: Changes to Social Security Rules

As I explained in a memo to you two weeks ago, major changes have just come to Social Security, particularly to the claiming strategies many people have been talking about for the past few years.  These changes came as a complete surprise to the entire industry, but they also create an opportunity to review your […]

Restoring Trust in the Financial Planning Industry

In tumultuous economic times, and after numerous financial scandals and stories of outrageous financial prophets, more than a few fortunes were soon parted from their unknowing owners. The financial services industry has always had a black eye.  A Harris Interactive poll was done a few years ago asking Americans whether they trust the advice they’re […]

Will the Stock Market Save Your Public Pension?

Double-digit annual returns for most U.S. public pension systems over the past two years have done little to shrink the yawning deficits facing many of them after a decade of inadequate funding, according to analysts and recent data. -excerpted from Reuters, March 10, 2014   Thanks to a robust stock market, most systems have enjoyed […]