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B is for Baffling Social Security Decisions

mature-woman-helping-elderly-mother-pay-bills_B is for Baffling Social Security Decisions

If you’re nearing the age of 62, you would greatly benefit by doing some homework to figure out what Social Security decisions you need to make. Having choices seems like a great option;  however, navigating Social Security language and determining the best selections can be overwhelming. To help you avoid costly mistakes that could possibly…

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S is for Secure Act May Help American’s with Retirement Savings

Secure Act and Retirement Savings For many Americans, financial insecurity is a real threat. And much of it is due to rising health care costs, limited Social Security funds, and debt.  According to a 2017 report by the U.S. Government Accountability Office, about half of the household age of 55 and older have no retirement…

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V is for The Value in a Solo 401k

V is for The Value in a Solo 401k

V is for The Value in a Solo 401k May Be Right For You! What is a Solo 401 (k)? A Solo 401(k) is a 401(k) qualified retirement plan that was designed specifically to cover employers with no employees, or that person and his or her spouse.  The one-participant 401(k) plan isn’t a new type…

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H is for HSA’s and How they Can Benefit You in Retirement

During the last decade, health savings accounts (HSA’s) have grown in record numbers, yet most account holders are not aware of their full potential. HSA’s come with a triple tax advantage and long-term investment potential. HSA’s provide a deduction for contributions, tax-free growth and tax-free withdrawals for qualified health care. All of this may be…

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K is for Knowing the Importance of Comparison Shopping for Medicare Plans

Most seniors agree comparison shopping for Medicare plans can be more painful than going to the dentist. However, by not reviewing your Medicare plan and coverage annually, seniors may be putting themselves at financial risk. According to a survey commissioned by WellCareHealth Plans, Inc, approximately three in five (58%) seniors see reviewing their Medicare plan…

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Q is for Quick Tips to Help Keep Your Social Security Account Safe

Today, identity theft is a crime on the rise, with no end in sight, the more technology available, the easier it is to steal others information. The safety of our identity can cause concern, as it can be a costly and stressful threat to our personal lives, and affects millions regularly. But by being on…

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R is for the New “Retirement Reality”

Many of us see ourselves retiring before we hit seventy but the reality of this happening is becoming more of a dream. As a matter of fact, a growing number of Americans are embracing this new reality and driving themselves to work well into their 70s. A new Bankrate survey finds 70 percent of people…

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M is for Money Habits for a Lifetime and How They Affect Retirement.

We all have “money habits, ” and most have specific practices to help us acquire what we believe will bring the happiness we desire. The ultimate goal for many is to save enough during our working years to enjoy retirement. Have you considered what happens when we go from working and saving to retirement and…

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R is for Required Minimum Distributions (RMD) as a Charitable Distributions

In the past, Congress would decide each year whether Required Minimum Distributions (RMD) could or could not be used as a charitable distribution.  However, through the Protecting American from Tax Hikes (PATH) Act of 2015, Qualified Charitable Distribution (QCD) rules have been made permanent. Now you may use a charitable giving strategy as a tax…

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