When Should You Collect Social Security

The topic of Medicare can raise a lot of questions for many people. One of the most common questions I receive revolves around when you should sign up for Medicare, and that’s understandable. After all, you can’t simply sign up anytime you want, and the timing of your enrollment window can …

Navigating Medicare can be a daunting task, especially with the numerous plans and options available. However, choosing the right Medicare plan is important to help ensure that you have the coverage you need in retirement. Whether you’re enrolling for the first time or considering a change, …

The Social Security Trustees released their 2026 annual report earlier this summer, and one number stands out: the Old-Age and Survivors Insurance (OASI) Trust Fund—the fund that pays retirement and survivor benefits—is now projected to be depleted in the fourth quarter of 2032. That is one …

For more than 40  years, I’ve sat across the table from clients and said the same thing: “Don’t just retire ‘from’ something. Make sure you have something to retire ‘to.’” Then May arrived, I stepped into partial retirement, and I discovered how easy it is to give th …

Determining what age to begin claiming your Social Security benefit is a big decision. Do you claim early at age 62? Take it at your full retirement age? Delay until you’re 70 years old? Or any age in between?  There are a wide variety of factors that can go into your final decision, and we …

Retirement is full of important decisions. But in my opinion, few carry as much long-term impact as when and how you claim Social Security benefits. While it’s tempting to think of Social Security as a simple choice—claim early or wait—the reality is much more nuanced.  The timing of …

You’re about to approach one of the biggest milestones in your lifetime: retirement. For many retirees, this is a momentous event that gives you much needed time for family, relaxation, and hobbies. For others, this may create apprehension and fear. But it doesn’t have to be that way. With …

Qualified retirement plans—such as traditional 401(k)s, 403(b)s and IRAs—can help offer clear tax advantages. They offer a tax deferral on contributions and growth until distribution. And while this is beneficial for many, certain rules are in place to help prevent individuals from taking a …

Many retirees find that even carefully planned budgets don’t hold up once the structure of a regular work schedule disappears. Spending can creep up in unexpected ways, and despite detailed worksheets and diligent tracking, it’s easy to exceed monthly limits. What looks solid on paper can o …

During your working years, retirement can feel like a distant, far-off time in your life that you hope to get to someday. And though you may think of it simply as the point when you stop working, it’s a major life transition that shifts how you spend your time, how you define your purpose, …