Author: Jeff Christian

Greetings! I hope and trust that this finds you well and enjoying life. I find that navigating Social Security is one of the biggest unknowns and decisions retirees face. The following information on the decision and process of turning on Social Security should be helpful. You can elect to delay…

Greetings! I hope and trust that this finds you well and enjoying life. You don’t want to pay more in federal income tax than you have to. With that in mind, here are five things to consider when it comes to keeping more of your income. By deferring (postponing) income…

Greetings! I hope and trust that this finds you well and enjoying life. In the past few weeks (typical for an October), we have been experiencing more than we are accustomed to market volatility and it can’t help but create uncertainty. You wouldn’t be human if you didn’t fear loss.…

Greetings! I hope and trust that this finds you well and enjoying life. Many studies reveal that the greatest cost in retirement is related to health care. For some of us long-term care will occupy the lion share of the cost and we all need a long-term care plan. Some…

Greetings! I hope and trust that this finds you well and enjoying life. Please see the following article from the Wall Street Journal on big things happening with Social Security. And remember, once an increase is applied it’s permanent. By Eric Morath and Anne Tergesen Updated Oct. 11, 2018 2:49…

Greetings! I hope and trust that this finds you well and enjoying life. It’s easy to get caught up in complacency when conditions are good, the sun is shining and the market is rising without interruption.  But, as we know intuitively (but often still forget), such conditions aren’t realistic or…

Greetings! I hope and trust that this finds you well and enjoying life. I believe that it is very important to be aware of and to examine the consensus of our society as a whole in ways that impact us as individuals. Every year the Employee Benefit Research Institute provides…

Greetings! I hope and trust that this finds you well and enjoying life. Investment planning during retirement is not the same as investing for retirement and in many ways is more complicated. Your working years are your saving years. With luck, your income increases from year to year as you…

Greetings! I hope and trust that this finds you well and enjoying life. Asset allocation and diversification are both an art and science. Getting it right goes a long way toward insuring success with your portfolio. The following are the necessary considerations for developing effective asset allocation and diversification in…

Greetings! I hope and trust that this finds you well and enjoying life. Week before last President Trump proposed changes involving Required Minimum Distributions (RMDs) from IRAs. In a nutshell the proposal extends the age in which a retiree must begin to take withdrawals. This is a positive and favorable…