Thanks to alert reader and good friend Cameron Morgan of A&I Financial for sending me another good recap of the new Social Security rules. Again, the new rules affect people who intended to use the File and Suspend method to claim Social Security benefits, but have not already done so. If you have already…
Happy New Year! As a financial planner I have some hopes for your 2016 to pass along. May you find joy in the free (or very inexpensive) things in life – sunsets, walks with your dog, a home cooked dinner with family, or hugging a friend. And then, take the savings from fancy vacations, dinners…
“Mail your packages early so the post office can lose them in time for Christmas.” – Johnny Carson “Christmas is the season when you buy this year’s gifts with next year’s money.” – Author Unknown “Santa Claus has the right idea. Visit people only once a year.” – Victor Borge “There is…
Since this blog will be going out near Christmas, I’m going to skip the heavy mental work and provide you with a heavy recipe instead. They are addictive, high fat, and by the time you buy all of the butter and cheese you will be broke. However, they are super-delicious and worth it. The recipe was…
It occurred to me as I wrote the last blog that I maybe was putting the cart before the horse. File-and-Suspend strategy is pretty complex and most people don’t understand even the basics of Social Security. So, here are a few concepts that will help you speak that beautiful language that I call Social Securitese.…
Who remembers ticker tape and stock quote machines? I do! Check out my quote in Investment News! http://www.investmentnews.com/gallery/20151002/FREE/100209999/PH/you-know-youre-an-old-adviser-when Contact me at 303-324-0014 or [email protected] to talk about how I can help you. Stay Informed and Educated — Subscribe to the SFP Blog! Use the quick and easy form to the right of this article.
I hate to say I told you so (okay, I actually LOVE saying I told you so), but as I postulated in an earlier blog, the Social Security file-and-suspend option is going away for new filers after May 2, 2016. The file-and-suspend option allows one spouse to file for his benefits at full retirement age…
Seventy two percent of grandparents polled in a 2014 Fidelity survey felt it was important to help pay for grandchildren’s’ educations. Wow! That is a very large number. For those who are in a position to chip in a little (or a lot) for college for their grandchildren, here are a couple of ideas. Open…
One question I help people answer in retirement planning is when to take Social Security. A couple of reminders on the rules: You can take Social Security as early as age 62, but your amount will be lower than if you waited until your full Social Security age. For most people considering the question today,…
It’s November and what a perfect time to thank my wonderful network of friends, clients, and colleagues for giving my name to their friends, clients, and colleagues! So, here is a list (in no particular order and probably incomplete) of people who have referred Sullivan Financial Planning in 2015: Erica Johnson, Ambler and Keenan David…
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