by Joe Allaria CFP®, MBA | Mar 15, 2024 | Article, Portfolio Management
Social Security Benefits: Will I Get Any? Key Takeaway:Yes — if you’ve worked enough years to earn enough Social Security credits (generally 40 credits, roughly 10 years of work), you’re likely to receive benefits under the current rules. In today’s uncertain...
by Joe Allaria CFP®, MBA | Jan 9, 2023 | Article, Retirement Planning
Social Security Loopholes Key Takeaways: The popular “restricted application” strategy that let married retirees claim a spousal benefit while their own benefit grew has essentially phased out as of 2023. File-and-suspend can no longer be used to boost spousal...
by Joe Allaria CFP®, MBA | Jun 29, 2021 | Article, Retirement Planning, Risk Management
7 Medicare Questions You Should Know How to Answer if You’re Over 60 Key Takeaways: Medicare is widely misunderstood, so it’s important to know what it is, how Parts A, B, C, and D work, and what they do and don’t cover before you enroll. Your premiums,...
by Joe Allaria CFP®, MBA | May 31, 2021 | Article, Retirement Planning
7 Social Security Mistakes & How to Avoid Them Key Takeaways: Social Security is more complex than most people realize, and common mistakes—like filing too early or overlooking spousal, survivor, or divorced benefits—can cost you thousands over your lifetime. You...
by Joe Allaria CFP®, MBA | Jun 29, 2020 | Article, Portfolio Management, Retirement Planning
4 Sources of Income During Retirement Key Takeaways: Part-time work after you retire can meaningfully reduce how much you have to withdraw from your portfolio. Social Security can act like a retirement paycheck, but claiming at 62 permanently reduces your benefit, so...
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