Social Security timing, Medicare, taxes, and building a dependable income floor — from Thomas Clark, a Series 65 Investment Advisor Representative.
Working one more year doesn't automatically raise your Social Security benefit. It depends entirely on what that year replaces in your top 35 earning years. Here's…
The old “sell in May and go away” adage has a kernel of truth in the long-run data — and it still shouldn’t change how a…
Trading and retirement investing use the same tools but reward opposite instincts. Here's why mixing them quietly costs retirees, and where active trading actually belongs.
An expense ratio looks trivial on paper - half a percent, maybe one percent. Over 30 years, the gap between a cheap fund and an expensive…
Calendar refills work fine in accumulation, when new money flows in every paycheck. They get a lot less safe the moment you start spending the portfolio…
Medicare starts at 65 — and for early retirees, the gap between leaving work and that birthday is the most under-discussed problem in retirement planning. Here's…
The 2015 Bipartisan Budget Act killed the version of the restricted application that retirement planners loved most. But it didn't touch the survivor-benefit version — and…
Eighty years of S&P 500 data say election-year volatility is mostly noise — and the twelve months after a midterm have historically been the strongest stretch…
Most retirees track the stock market. That's the wrong dashboard. The bond market — and the shape of the yield curve — is where retirement income…
Key Takeaways Loss aversion makes retirees feel losses roughly twice as intensely as equivalent gains — leading to overly conservative portfolios that can’t keep pace with…
