Social Security Benefits – Look Before You Leap

Month: November 2014

November 27, 2014  |  

Social Security Benefits – Look Before You Leap

Key Takeaways The decision of when to begin receiving benefits is a very personal one and there is no “one-size-fits-all” solution. Electing to begin benefits at the earliest age of 62 could mean you will receive 25% less than your full retirement benefit for the rest of your life. Your benefit will increase by 8% per year for every year you delay from your full retirement age until age 70. When to begin? One of […]


November 19, 2014  |  

Are You Fishing for Returns in “The Business District”?

Key Takeaways The stock market’s business district is where small stocks and value stocks tend to reside. Because of their risk characteristics (i.e. higher risk), those companies offer higher expected returns than their large stock and growth stock counterparts. But, they tend to be riskier than the average stock. Since risk and return are related, you want to make sure your portfolio has an appropriate level of exposure to the business district. The research is […]


November 12, 2014  |  

Annuities – Be Sure You Know What You Are Getting

Key Takeaways An annuity is an insurance product that can pay out income. It’s a popular option for investors seeking a steady stream of income in retirement. Annuities can be a valuable tool if you are in a high tax bracket, have exhausted your pre-tax savings opportunities (like a 401(k)), and have a long-term time horizon. Just beware of the costs. Annuities generally fall into one of three categories: (a) fixed; (b) immediate and (c) […]

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November 5, 2014  |  

IRS Increases 401(k) Contribution Limits

Key Takeaways The IRS just announced new incentives to help those saving for retirement combat inflation. Starting in 2015, retirement plan participants will be able to contribute up to $18,000 annually to their 401(k), 403(b), Thrift Savings Plans and most 457 accounts. Savers age 50 and over will be able to contribute up to $24,000. Great news for disciplined savers. The IRS is giving you a break. OK, it’s an incentive, really, but still good […]

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