Social Security

Investors are advised to reduce their risk capacity and get their portfolio ready for the distribution phase once they are within five years of their retirement.

While delaying Social Security can maximize retirement benefits and boost income, some clients have financial circumstances that make an early retirement a better option.

While delaying Social Security can maximize retirement benefits and boost income, some workers have financial circumstances that make an early retirement a better option.

Clients can claim a tax deduction for Medicare premium payments and contribute to a tax-advantaged spousal IRA if they continue working.

Clients can claim a tax deduction for Medicare premium payments and contribute to a tax-advantaged spousal IRA if they continue working.

Investors nearing retirement should make sure their portfolios are diversified and consider alternative assets, such as real estate, commodities and annuities.

Investors nearing retirement should make sure their portfolios are diversified and consider alternative assets, such as real estate, commodities and annuities.

It's misguided to treat Social Security as bonds since clients can't sell a portion of their Social Security when they need to raise funds.

It's misguided to treat Social Security as bonds since clients can't sell a portion of their Social Security when they need to raise funds.

If they file for Social Security, they should expect 26% less than they would get if they wait until their full retirement age.