Health Savings Accounts (HSA) for retired folks. Isn’t that a novel idea? But it’s being considered in Congress—The Health Savings for Seniors Act, H.R. 3796.
As it stands right now, the only people eligible for an HSA are those aged 65 years and younger who have a high-deductible health insurance...
The times they are a-changin’. It was true when Bob Dylan wrote those words more than 55 years ago, and it’s just as true today. The black-and-white analog world becomes a distant memory as we travel further into the digital portal. And just like Ozzy Osbourne, many of us...
Alhambra's Bob Williams looks at whether you should use a Will or Trust for your estate planning document.
You know you’ll have to do it someday. In fact, you’re probably looking forward to it; the day you sign up for Social Security and get the benefit of all the money that’s been taken out of your paycheck during your working years.
For the most part, signing up is...
Alhambra's Bob Williams answers the question, "Do I lose half my Social Security in the Divorce?"
Social Security, even with all its problems, is unquestionably an important component of retirement income for millions of American retirees. For about half of seniors, Social Security is 50% of their income, and 1 in 4 seniors say it makes up at least 90% of their income.
There are more...
No matter your belief structure, or whether you’re reluctant to admit your own mortality, it’s a fact that none of us will live forever. And since no one knows if their demise will happen quickly or be proceeded by a lengthy illness, it’s good to be as prepared as...
Call me crazy, but if I’m dealing with an employee of a company, who has been trained by that company, then that person should know their stuff and be able give me good information and good advice.
Well, that’s not the case when you deal with the Social Security Administration....
Alhambra's Bob Williams highlights pitfalls to watch out for when signing up for Social Security.