Author - James A. Daniel, CFP®

1
Social Security Dramatically Changes Withdrawal of Benefits Option
2
How Inflation And Lack of Inflation Can Affect Your Retirement
3
How Do You “Diversify” Your Portfolio to Minimize Risk?
4
Inflation vs. Deflation, How does it affect you?

Social Security Dramatically Changes Withdrawal of Benefits Option

Last week the Social Security Administration issued a change to the infamous ” interest free loan loop hole” that allowed folks to payback benefits received get a higher monthly Social Security payout.

This option was called “Voluntary Withdrawal of Benefits Form SSA-521”, which you may have heard about with various teasers on the internet about the secret loophole that allowed you to get a higher SS benefit each month.  This strategy wasn’t a loophole at all but in actuality a seldom used technique that was completely legitimate with the SSA.  The scenario worked like this:  You claim SS benefits early …

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How Inflation And Lack of Inflation Can Affect Your Retirement

Article in Summary

  • Social security beneficiaries will not see a cost of living raise in their benefit checks in 2011
  • It is important for retirees to also invest in assets that appreciate with inflation such as such as stocks and commodities
  • Use the chart below to calculate your future living costs if inflation increases at 3% per year

Gold and Commodities are up, the dollar is going down and the Social Security Administration just announced that again in 2011 there won’t be any cost of living raises in benefit checks.  There are a lot of cross currents out there and …

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How Do You “Diversify” Your Portfolio to Minimize Risk?

The typical investor is inundated with investing terms on a daily basis: allocation, diversification, optimization, etc…  As a professional that has studied these topics, I understand the frustration that many consumers have when trying to make sense of it.  In today’s post we will try to break down the confusion surrounding the topic of  “Diversification”.

It may sound complex, but in actuality Portfolio Diversification is simply about spreading the load.  The best visual example of “diversification” that I was taught was to envision an architect designing a house.  When he/she  is designing the second floor it is important to spread …

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Inflation vs. Deflation, How does it affect you?

Throughout much of the past year we have been hearing about the impending onset of inflation.  Realistically, how could it not happen?  The Federal Reserve had instituted Quantitative Easing to pump more money into the economy to get commerce flowing again.  At the same time they have kept interest rates at very low levels to try and stimulate lending.  Both of these factors would ultimately cause run away inflation, right?  At least that is what all the experts in the financial media were telling us.

The problem is that while the Fed has tried to push money into the economy, …

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