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To really come out ahead from delaying Social Security, a client has to live into their 80s. Otherwise, they're generally better off taking a reduced benefit earlier and collecting as long as they live.
The odds that your clients will one day stay in an assisted living home increases 1.4% per year, starting at age 65.
The odds that your clients will one day stay in an assisted living home increases 1.4% per year, starting at age 65.
Proceeds from selling their current home can be augmented with a "reverse mortgage for purchase," which doesn't have to be repaid until they sell, move out or pass away.
Proceeds from selling their current home can be augmented with a "reverse mortgage for purchase," which doesn't have to be repaid until they sell, move out or pass away.
Preferred stocks are good candidates for retirees' investment portfolio as they provide regular income that is greater than the interest payments from a corporate bond.
Preferred stocks are good candidates for retirees' investment portfolio as they provide regular income that is greater than the interest payments from a corporate bond.
Investors are better off having target-date funds than balanced funds as TDFs provide broader diversification and focus on minimizing risk.
Investors are better off having target-date funds than balanced funds as TDFs provide broader diversification and focus on minimizing risk.
Many people have the misconception that Social Security will become insolvent over the next 20 years.
Many people have the misconception that Social Security will become insolvent over the next 20 years.
For one strategy, clients should create income streams that have built-in protection, such as Social Security and long-term insurance.
For one strategy, clients should create income streams that have built-in protection, such as Social Security and long-term insurance.
As has been well-documented, the federal program is in danger. So what kinds of changes will be required to keep these benefits afloat?
A proposed 22.3% increase in Medicare Part B premiums, if approved, will automatically be deducted from retirees' monthly checks.
A proposed 22.3% increase in Medicare Part B premiums, if approved, will automatically be deducted from retirees' monthly checks.
In about 30% of large companies, seniors can opt to work part-time or engage in job sharing with co-workers.
In about 30% of large companies, seniors can opt to work part-time or engage in job sharing with co-workers.
Investors can expect limited options or higher fees in their retirement plans as brokerage firms are evaluating their pricing structures to comply with the fiduciary rule.
Investors can expect limited options or higher fees in their retirement plans as brokerage firms are evaluating their pricing structures to comply with the fiduciary rule.
