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 […]

When to Apply for Social Security Benefits

With the demise of guaranteed pensions, and in light of the risks you face in managing your own retirement assets, maximizing Social Security becomes a critical part of retirement planning.   One of the most important decisions a retiree faces is when to apply for Social Security benefits. This is not a decision to be […]