When to Claim Social Security: Changing the Conversation

Posted by Justin C. Duft, JD, CFP, MSFS, CLU, ChFC, CLTC

August 3, 2016 at 1:30 PM

When the Bipartisan Budget Act of 2015 was first signed into law, you might remember a mad scramble to determine how the legislation would affect the guidance you provided to your clients. To make it worse, the rule changes affected individuals differently, depending on how old they were at certain points in time. But now that some of those rules have been eliminated by since-passed deadlines, do you have a clear picture of the best way to advise clients? Have the new rules changed the recommendations you make about when to claim social security?

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Topics: Retirement Income Planning

Spotlight on Social Security Rule Changes

Posted by Whitney Drechsler, JD

August 2, 2016 at 10:00 AM

The Bipartisan Budget Act of 2015 made significant changes to the way certain retirees can claim social security benefits. Specifically, new limitations were put in place to close existing loopholes. As a result, recent retirees will see the biggest impact, as many popular claiming strategies have been limited or eliminated altogether.

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Topics: Retirement Income Planning

Helping Your Clients with Medicare Enrollment in 5 Easy Steps

Posted by Rose Watson, JD, MSEL

November 10, 2015 at 10:00 AM

A few months before your clients turn 65, they’ll begin to receive mass mailings discussing Medicare enrollment, Medicare Advantage plans, and other pharmacy-related plans. Although many third-party providers offer legitimate products and services, it’s often difficult to differentiate between these marketing materials and official government mailings from the Centers for Medicare & Medicaid Services. If they haven’t established a plan ahead of time, your clients may be at risk of making poor decisions with financial repercussions.

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Topics: Retirement Income Planning

Health Care Costs in Retirement: Planning Solutions for Your Clients

Posted by Olivia Zaiya, JD

November 4, 2015 at 1:30 PM

Like many individuals approaching retirement, your clients may need help moving from speculation about potential health care costs in retirement to the reality of these expenses. How can you help close this knowledge gap and improve their financial outcomes? You need to be prepared to have meaningful conversations regarding how to plan for these costs, as well as how to reduce them.

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Topics: Retirement Income Planning

5 Steps for Incorporating Health Care Planning into Your Practice

Posted by Olivia Zaiya, JD

November 3, 2015 at 10:00 AM

According to a 2014 Merrill Lynch study, respondents cited health care expenses as their biggest financial concern in retirement. Yet only 15 percent estimated how much money they would need to cover those costs.

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Topics: Retirement Income Planning

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