Short answer up front: if you’re healthy and can afford to wait, 70 usually wins on lifetime dollars; if cash flow is tight or your health isn’t great, earlier can make sense.
On September 17, 2025, the Federal Reserve trimmed its benchmark rate by 25 basis points. This was the first fed rate cut since Dec 2024.
If you’re within 5-10 years of retirement and have built a portfolio north of $1 million, congratulations—you’ve done the hard part. Now, it’s about avoiding retirement mistakes.
If you are one of those asking the ‘will my money last’ question, there’s a way you can find out just what your probabilities are!
Believe it or not, you’ll have a number of options available to you – and it pays to do your homework before making decisions that could be irrevocable – and costly.
Believe it or not, investing during working years was the easy part. Just keep accumulating! Even better, the money you put aside wasn’t taxable. Such a deal! Tax-delayed doesn’t mean tax-free however.
Rollercoasters are fun – at the amusement park. Not so much in your retirement account. And that’s where bad financial behavior gets costly.
You want to begin planning your future life, but aren’t sure how. You want help but don’t know how to get stareted. Sound familiar? It should.
Older annuities have grown – and so have their expenses. They may be worth a review.
Social Security decision-making isn’t as easy as it was for our parents and grandparents. When they became eligible, they simply went downtown (remember those places?) and simply filed.
Not so easy today. Social Security decision-making has become more complex and, unfortunately, because of that, there are few ‘simple’ answers.
