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Financial Planning

Retirement is the time you want things to run smoothly. After all, you’ve spent a lifetime preparing for retirement—saving money, paying things off, having plenty of retirement income. The last thing you want is a notice from the IRS informing you that you’re going to be audited.
My parents were depression-era babies. And like many of their generation who experienced those years of economic desperation, when things improved, they planned and saved for the future to avoid that kind of distress ever again. They taught me to do the same. But...
It’s no secret. Social Security is in trouble.  It’s been talked about by the American public for years and ignored by politicians who keep kicking the can down the road. For at least 20 years, statements similar to this one from 1981 have appeared on every annual...
Since the beginning of Social Security in 1935, a monthly Social Security check has become an expected part of retirement income for most Americans. And why not? Money has come out of your check every time you got paid and, supposedly, gone into the Social Security Trust...
The financial industry is in a state of flux, scrambling to adjust to the new normal thrust upon it by COVID-19. Most financial representatives are still working from home, talking to clients by video chat rather than the age-old norm of face-to-face, wondering if this is the...
What is retirement, really? We think we know. So, we do our best to prepare for both current circumstance and as many surprises as we can conjure up.  After all, with people living longer than ever before your money has to last longer than ever before.