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Estimating how long a client will live is an inherently challenging, yet critical task for financial advisers. Lifespan is at the heart of every financial plan, and a misstep could mean the difference between clients’ financial security and running well short of money in retirement.Learn more
You hear retirement planners say you should wait until age 70 to start taking Social Security. The reason for that is simple; money. Elena Sharma at STA Wealth Management says we’re talking an additional eight-percent per year after age 66.Learn more
Elena Sharma at STA Wealth Management says were talking an additional 8% per year after age 66. “Lets say you if your monthly benefit is around $3,000 per month at your full retirement age, if you delay to age 70 you may be able to achieve almost $11,000 more per year at age 70” -Elena Sharma, CFP®, RICP®.
“Sharma says especially if you expect to live into your 80’s your talking about quite a bit more money over the lifetime of the benefits. If you’re still working when you begin taking social security it will be taxed as income.” – Scott Crowder, News Radio 740 KTRH
Advisors take investment selection strategies for granted. But for some clients this advice can sound like a different language. Advisors may live in a 60/40 world. But clients don’t. The long-standing hypothetical allocation between stocks and bonds (or some twist on that ratio) is said to bring the proper balance of portfolio risk and reward. Yet what should an advisor do when a client has her own view of risk exposure?Learn more
After 13 years of marriage and renting, David Teicher, 34, and his wife decided to take a break from retirement saving so they could buy a home. It had always been a goal of theirs, but they needed a little more free cash to make it happen.Learn more
The best time to prepare for being let go is while you’re still punching in at work. While employment overall has been rosy — the unemployment rate went down 20 basis points to 3.6% in April, according to the U.S. Bureau of Labor Statistics — signs of job cuts are emerging.Learn more
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