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Financial Planning

Customer service is mostly dead. It’s probably housed in the Smithsonian along with the T-Rex and TV rabbit ears. As technology has progressed and Millennials have come of age, we have been pushed, sometimes kicking and screaming, to conduct personal business online. The Social Security Administration is no exception. Call...
Mom and Dad told us working was a good thing. It may not have seemed like it as kids when they were trying to turn us into fully functioning, responsible adults. But later in life, we discovered it was true. Working gives a sense of pride and accomplishment. It makes...
Think hard! There must have been something good that came out of your marriage to your ex-spouse, but for the life of you, you can’t think of anything. Social Security may be the answer. One of the obscure rules of the Social Security system allows you to receive a Social...
Someone close to you dies and you are now the executor of the estate. You’ve never been in this position before and if you’re like many of my clients who have been faced with settling an estate, you’re a little panicked by the whole prospect—you’re staring into the great...
Why make it simple when difficult will do. That seems to be the motto of the Setting Every Community Up for Retirement Enhancement (SECURE) Act, even in its title. The SECURE Act has been the law of the land since January 1, 2020, and the 125 pages of reforms...
A Power of Attorney (POA) document is a common estate planning tool. Whether it’s classified as General, Durable, Non-Durable, Medical, Limited, or Conditional, every POA is advance preparation to take care of you should something happen that prohibits you from taking care of yourself. Every POA names an agent and...
The checklist when preparing for retirement is a long one. But you need to be aware of one item in particular if you intended to start taking Social Security before your Full Retirement Age (FRA) and continue working—the Social Security Earnings Test. It can suck Social Security dollars out...