retirement planning

Congress Just Helped Save Social Security (not)

The sunny name of the Bipartisan Budget Act of 2015 belies the fact that it unnecessarily guts important provisions that benefit both married and divorced spouses.  AARP estimates that only 1/10 of one percent of eligible Americans take advantage of these provisions.  But, even if every single eligible beneficiary maximized the use of timing strategies, […]

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You Can Wait Until You Are 62 To Plan How to Take Social Security Benefits

The title of this post isn’t a myth.  It’s true.  You can wait until age 62.  It’s just a bad idea.  If you are 50, you may still have time to start working on an ideal cash flow plan for your 60’s & 70’s. I know.  So much can change over 10, 20 years.  And a

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There is One Best Trick for Maximizing Social Security Benefits

Do you get a lot of emails with the words “trick”, “weird” “secret”, “epic” and so on to the ends of hyperbole & hubris?  I do.  So I remind you again that the title of this blog- like all my titles -is a big, fat MYTH.  There are two moving parts to Social Security benefit

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