Social Security, Medicare & Money

Be Cautious—Criminals are Looking for Your Social Security Data

By David G. Freitag, Financial Planning Consultant with MassMutual ~ Does this sound like a scene from a movie? Bob is relaxing at home after a crazy day at the office. He checks his voicemail messages on his phone and is startled to hear this message from a stranger: “This is a call from fraud

Retirement: Is Your Marriage Ready?

By Sue Mintz ~ “I married you for better or worse, but not for lunch,” Jody read in an article about retirement planning, and she could relate! This is what partners often feel after the “new normal” of retirement sets in. Jody found that her retirement honeymoon was over. Now, she and her husband, John,

Social Security: Sometimes, “You Live and You Learn”

By David G. Freitag, Financial Planning Consultant with MassMutual ~ A recent study of retirees conducted by AgeFriendly.com for MassMutual found interesting answers to this fundamental retirement planning question, “If you had to do it over again, would you change your Social Security filing decision?” Here’s what we learned: 1. Three out of 10 filed

Preparing for a Fail-Safe Retirement

By Sue Mintz ~ My friend, Emily, was in her early 60s. She had worked her way up the corporate ladder and loved her position in the company, knowing she was making a difference. Guess what kept her up at night? The decision to continue working or retire. Her employees told her she was a

Keep Informed on Important Changes to Social Security and Medicare

By David G. Freitag, Financial Planning Consultant with MassMutual ~ Each year the Social Security Administration announces small incremental changes to both the Social Security program and the Medicare program. These changes are built into existing Social Security and Medicare rules that do not require any advance Congressional approval. Although these changes seem small when

Thoughts from a 50+ Minimalist

By Glen Spielbaur I admit it, I’m frugal, but I live life the way I want and enjoy every minute. Here are a few of my suggestions for the 50+ generations who want to live a minimalist lifestyle. Housing Many people live in larger more expensive homes that they don’t really need – even after

Changes in 2019: The Good News and Bad News

By David Freitag CLU, ChFC, CRPC —MassMutual Financial Planning Consultant Each year the Government announces changes to Social Security and Medicare that sometimes get lost in the fog of informational overload. Yet these changes are important for retirees. Here are the top 8 changes that will affect these programs in 2019. Some of these changes

Important Reasons to Take Social Security Benefits Early

By David Freitag CLU, ChFC, CRPC —MassMutual Financial Planning Consultant It is hard to make “one-rule fits all” generalizations about taking your Social Security benefits. When it comes to this decision, the best “one-rule generalization” is that “One Size Fits One”. Because we are all different, each Social Security decision could and should be custom

A Retirement Coach is Like a Golf Caddie

Imagine an amateur golfer playing in the Masters Tournament. Or even a professional golfer playing in the tournament without a caddie to talk through challenging shots. Do you think the results would be anything other than disastrous? A retirement coach is like a golf caddie. No, we are not here to carry and wash clubs.

Being “Fit” in Retirement

When planning for retirement, have you planned to do anything other than being financially “fit”? Complement being financially “fit” with being “fit” emotionally, socially and physically. Here are some suggestions to help you reach that goal. 1 Plan something to look forward to As with any change, retirement can be challenging. When going through times

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