Financial Ducks in a Row

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What can you do to save if you have no 401k?

That’s a lot of women, maybe more than 401. But I doubt if they’re all named Kay. So you’re all set to begin saving your literal behind off – you’re on fire about FI/RE, or you’ve just gotten to the point where you know you need to sta...

Don’t Forget the Saver’s Credit on Your Tax Return

Image courtesy of Salvatore Vuono at FreeDigitalPhotos.net Did you realize that there is a saver’s credit available to you for your contributions to retirement plans?  There are income limits, but if you fit the limits, this type of credit can ...

Thoughts on FIRE

As a financial planner it’s common to come across articles, blogs, and other material advocating individuals, especially those that are young to embrace FIRE. The acronym FIRE stands for Financial Independence Retire Early. Essentially what this m...

Medicare and Social Security Ages Decoupled

Back in the olden days, when 65 was the age to apply for full Social Security retirement benefits, Medicare and Social Security seemingly went hand-in-hand.  At the same time that you applied for Social Security retirement benefits, you would also ...

How Social Security COLA is Calculated

As you are probably aware, each year your Social Security benefits can be increased by a factor that helps to keep up with the rate of inflation – so that your benefit’s purchasing power doesn’t decrease over time.  These are called Cost Of L...