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In June, the Trustees of Social Security’s trust funds released their annual report (viewable at https://www.ssa.gov/OACT/TR/2018/tr2018.pdf). What many already know remains the same, the outlook for the future of the Social Security program as we know presents a challenge on the horizon.

First Quarter Market Brief Below - Full Market Update and Outlook Available to Clients 

Part of being a Financial Advisor who works with retirees is helping our clients determine how to potentially maximize their Social Security benefits.

When retired, cash flow matters. For many people life insurance premiums can be a large budget item, and over a 25-year retirement can be an enormous outlay. I work mainly for retirees and like to make sure these long-term trends are needed and working in their favor. Life insurance is definitely needed during many different points in life.

2017: We can say with certainty that 2017 has been one for the books. And we mean that quite literally. We saw significant gains from almost every sector of the market and for the first time in history, the S&P 500 was positive all 12 months of the year.

As most are aware by now, Congress voted last year to enact changes to our tax code that will take effect in 2018. This is the largest overhaul of the IRS code since the early 2000’s when the Bush tax cuts were enacted. With that being said, it appears as if the majority of the overhaul will affect corporations instead of the individual taxpayer.

2017 was by all measures a banner year for the markets and the economy. A new year presents opportunity for investors to re-align their portfolios and get a fresh start on planning to ensure their retirement success. Below we have compiled five planning items to consider as you review your retirement strategy to start the new year.