Estate Planning Misconceptions

Estate Planning Misconceptions

Many people postpone creating an estate plan because considering their demise is unsettling. Others make false assumptions which cause them to neglect this important task or make less-than-ideal decisions. Here are a few common misconceptions related to estate...
Spending in Retirement

Spending in Retirement

By: Chris Merchant, CFP®, BFA® Heather and I recently attended a retirement planning conference in Boston, and one of the speakers explained an eye-opening formula which I thought was thought-provoking. He put these numbers up on the screen and asked if anyone in the...
When To Take Social Security Benefits?

When To Take Social Security Benefits?

On Aug. 14, 1935, President Franklin D. Roosevelt signed the Social Security Act into law to help combat unemployment and guarantee income for retirees. Roosevelt acknowledged the limitations of the act, stating, “We can never insure one hundred percent of the...