Is the 4% Retirement Spending Rule Obsolete? December 13, 2021 Retirement 4% Rule, Andrew Busa, Retirement, Retirement Spending This week’s reader question is about retirement spending: Is the classic 4% rule still valid and how should I factor inflation into my retirement spending budget? Manager of Financial Planning Andrew Busa had this to say: Maybe, and yes. This ubiquitous retirement spending maxim, the “4% rule,” came into vogue …Read More keyboard_arrow_right
Backdoor Roths on the Chopping Block November 26, 2021 Retirement The “backdoor Roth” may be in peril—but there’s still time for you to take advantage of this important retirement savings strategy. Andrew Busa, manager of financial planning, discusses why backdoor Roth conversions can be so crucial to your financial plan, and what it would mean if the Biden administration’s …Read More keyboard_arrow_right
Social Security FAQs November 19, 2021 Family Financials social security Social Security is a complex topic. While you may understand the basics (like when to file and what family benefits you’re entitled to), you might still wonder how to claim benefits, manage taxes associated with Social Security and more. At Adviser Investments, we field Social Security …Read More keyboard_arrow_right
Social Security’s Family Benefits November 12, 2021 Family Financials social security You don’t have to be retired to receive Social Security. You read that right. In certain cases, qualified family members and dependents can receive benefits. Let’s look at some of those cases and consider how they may factor into your financial plan. Benefits for Spouses If you are (or were) married, you …Read More keyboard_arrow_right
When Should You File for Social Security? November 5, 2021 Retirement Questions about Social Security come up all the time in our financial planning conversations with clients. It’s a complex issue with numerous angles to consider, but we’ll start by looking at four key factors you can evaluate to decide when to file for your Social Security benefits. 1. Your full retirement age (FRA). …Read More keyboard_arrow_right
5 Medicare Enrollment Mistakes to Avoid October 22, 2021 Family Financials Since its 1965 inception, Medicare has been an essential component of a successful retirement. Yet, as we’ve noted, navigating its complexities can be frustrating. Here are a few common mistakes to avoid: Opting for COBRA after retiring at age 65 or older. COBRA—the Consolidated Omnibus Budget Reconciliation Act—gives you …Read More keyboard_arrow_right
The ABCs of Medicare October 15, 2021 Retirement medicare, Retirement All of the talk of inflation this week came with one bright side for retirees: Social Security benefits, tied to inflation, will increase 5.9% next year—the biggest bump in 39 years. Where might that extra income be spent? Health care is one option. We recently wrote about Medicare’s Annual …Read More keyboard_arrow_right
Fine-Tuning Your Medicare Coverage October 1, 2021 Retirement financial planning, medicare Medicare—federal health insurance coverage for people 65 and older—is a pivotal part of your retirement plan. With the Annual Election Period (AEP) fast approaching (it runs from Oct. 15 through Dec. 7), Medicare recipients must decide whether to make changes to their plan. But consumer beware: The devil is in the details. …Read More keyboard_arrow_right
ETFs in the Tax Crosshairs September 29, 2021 Adviser Fund Update ETFs, retirement accounts, social security, vanguard ETFs in the Tax Crosshairs A recently proposed tax on exchange-traded funds (ETFs) could be setting the stage for a major dust-up between lawmakers and money managers. Will it come to pass, and how would it impact your portfolio? In mid-September, Senate Finance Committee Chairman Ron Wyden …Read More keyboard_arrow_right
Is Social Security Heading Toward Insolvency? September 20, 2021 Retirement financial planning, Retirement, social security, Weekly Question This week’s reader question: Is Social Security Heading Toward Insolvency? Andrew Busa, Manager of Financial Planning, had this to say: You heard right. As part of its annual report on the financial health of Social Security and Medicare, the Social Security Board of Trustees said last …Read More keyboard_arrow_right