I’ve written numerous articles over the years about strategies for maximizing your Social Security (SS) benefits. But the number one decision all retirees face is when to start taking payments. Which is better: to start as early as possible or to delay benefits for as long as you can? There will always be claimants who…
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Any disaster – be it a plane crash or a nuclear plant meltdown – is subsequently found to be caused by multiple failures. The Silicon Valley Bank (SVB) demise is no different. Who is to blame and what does this mean for the safety of your money in your bank or brokerage account? Here’s my…
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Since tax payment season is just around the corner, I thought I’d share some common misperceptions about your federal taxes. Getting refunds is better than owing taxes. False. A refund is nothing more than a zero-interest loan you made to the government. It’s better to owe them money. But not too much. If you owe…
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We usually talk about stock market performance on a yearly basis. And last year’s -18% S&P 500 loss was nothing to write home about. But during bad years daily volatility can also spike. In 2022 the index’s worst day was September 13th when it fell -4.3%. How does that one-day loss stack up against the…
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As a financial planner I discuss retirement goals with virtually every client. Those that don’t plan to remain in their own homes typically talk about moving to a retirement community or an assisted living facility. Yet there’s a growing body of evidence suggesting that segregating older people, particularly by age, may not only shorten their…
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It’s common for conservative investors to become fearful after a year of awful performance in the stock market. Last year certainly qualifies; it was the seventh worst year for the S&P 500 since 1926. Could 2023 also turn out to be a bad year for stocks? Of course anything is possible. But two down years…
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