Social Security Offices Are Misleading Retirees

Last month I had a client ask me about a social security strategy that is going away on April 30th of this year.  They wanted to explore the possibility of using the file and suspend strategy. In this case both spouses were 63 years of age.  Of course, this issue is confusing because the file and […]

Plan Early, Plan Smart

The old adage goes, “the early bird gets the worm.” The same rings true of financial independence. Those that start young are more likely to build substantial wealth over the course their lifetime. Those that wait may end up being forced to make concessions on their standard of living during retirement. Millennials are faced with […]

The Charitable Spirit – Not Just for the Holidays

A lot has changed in the past few years. Angry Birds became a national pastime.  Tennessee fans are starting to fill football stadiums once again . China surpassed the United States to become the world’s largest economy.  Innovative technologies disrupted whole industries. One thing hasn’t changed, though, and that is Americans’ generosity, especially when it comes […]