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What is File and Suspend?

File and suspend is a Social Security strategy that was added in 2000 as part of the Senior Citizens Freedom to Work Act to help couples plan their retirements. It is sometimes referred to as “voluntary suspension’” or “claim and suspend”. File and suspend is a Social Security option that many married couples will find valuable. It  Click to Continue


Social Security Options for Women

Options. Don’t you love options? Women, it appears that we have Social Security options to consider when it comes to claiming retirement benefits. Which option we choose can really make a difference in our benefits. Are you doing your homework? Here are some places to start: Social Security Officials AARP Financial Advisor Local Library  Click to Continue


Secure Retirement Equals Savings

“The question isn’t at what age I want to retire, it’s at what income”. Those are wise remarks from George Foreman. A happy, secure retirement hinges upon your savings. So, if a secure retirement equals savings, how are yours doing? Here are seven measures you can take to increase your savings and thereby capturing your  Click to Continue


Saving for Retirement on Your Own

No pension? No retirement plan? You are not alone. Only half of American workers have a pension or retirement plan as part of their company or union. Here’s the good news: you can start saving for retirement on your own. If you are one of the 77 million American workers without a company retirement plan,  Click to Continue


Best Retirement Locations

Baby Boomers are ready to retire and many are planning to relocate.  Those searching for the best retirement locations should be considering these factors: Cost of living Taxes Health care Transportation Climate Feeling of Well-being Before you start packing check out these cities that made list of the best and worst cities to retire. WORST  Click to Continue


Social Security Snafus

Attention all Baby Boomers who plan to defer benefits! Larry Kotlikoff and Phil Moeller, authors of, “Get What’s Yours: The Secrets to Maxing Out Your Social Security” are big supporters in delaying benefits where possible and through their readers have discovered some Social Security snafus. It seems that the Social Security Administration (SSA) is denying  Click to Continue


Is the Middle Class Shrinking?

In 1984 Tina Turner released a song that became her most successful single, “What’s love got to do with it”. Fast forward thirty years. A new study by the MacArthur Foundation finds that 79 percent of Americans – across all ages and political party alliances – believe it is more common for people to fall  Click to Continue


Boomers Spend Millennial Inheritance?

What’s an eleven letter word that describes something that the Greatest Generation will leave Baby Boomers and that Baby Boomers will not leave Millennials? Gift?  Too short. Legacy?  Six letters. Bequest?  Seven letters. Inheritance?  Yes, inheritance. According to the Study by the Center for Retirement Research at Boston College, Baby Boomers will inherit $8.4 trillion  Click to Continue