Thomas Clark is a Series 65 licensed investment advisor and experienced trader. He specializes in investing, retirement planning, and market analysis, helping individuals build wealth and make informed financial decisions.
Every year, the Social Security Administration mails a statement to workers age 60 and older — and most of them glance at the estimated benefit number…
Surviving spouses have two distinct Social Security benefits — their own retirement benefit and a survivor benefit on the late spouse's record. Most widows claim them…
A 10% market correction sounds frightening if you are retired. The actual math — and what to do about it — is calmer than the headlines…
The biggest fear in retirement isn't running out of money — it's the bad year that comes early. Bucket planning structures the money so a market…
Key Takeaways If your marriage lasted 10 years or more, you may be entitled to Social Security benefits based on your ex-spouse’s earnings record — up…
Most families assume the will is the document that decides who inherits the money. For the biggest accounts in your financial life, it isn't — and…
Key Takeaways Historically, lump sum investing outperforms dollar-cost averaging about two-thirds of the time — because markets rise more often than they fall, and uninvested cash…
Technical analysis is a real tool, but a narrow one. From a trader's seat: what charts can do — managing risk, gauging conviction, timing entries —…
Key Takeaways IRMAA is a surcharge on Medicare Part B and Part D premiums that applies to higher-income beneficiaries — and “higher income” starts lower than…
Key Takeaways Most retirement tax savings happen in November and December — not in April when you file. By tax season, it’s too late to act.…
