Family Finance Fun—and Annual Tea Party

When our older daughter went off to college, it was a shock to the household. We didn’t think things would be so different because our younger daughter was still home. Just as we were getting used to the “new normal”, the older graduated from college and the younger was a senior in high school with […] more



Boomer Small Business Owners: Is Being Your Own Boss in Your Retirement Dreams?

  There is an unending amount of conflicting data about the age at which we Boomers will retire. One statistic reports, “40% of Americans plan to retire before 60”.  Another states that “the average age to retire is 62 in the US.” Yet another says, “Only 22% plan to retire after 65.” Whether you decide […] more

Social Security COLA for 2019: Sort of Like a Soft Drink

Folks who already claim Social Security retirement benefits heard they would get more in their checks starting in January, 2019. Good news indeed! In fact, the Social Security COLA—cost of living adjustment—was quite large: 2.8%. That is the highest increase since 2011. But in real dollars that will be available for retirees to spend, well, […] more

Social Security Solvency: It Better Be Here to Stay

You may recall last month’s blog post, Social Security Solvency: It’s Here to Stay.  In that post, I shared where you can get the numbers to see how the program is working and what the projections are for its longevity.  This month, I wanted more analysis of Social Security solvency in a way to bring […] more

Social Security Solvency: It’s Here to Stay

There are some 45,000,000 retirees collecting Social Security retirement benefits today.  More than half of these folks decided to claim their benefit before their Full Retirement Age or FRA.  In fact, 52% of men and nearly 59% of women pushed the “grab-and-go” button well before the age that is considered officially “retired” by the Social […] more

Early Retirement Offer:  10 Tasks to Tackle Before Saying “Yes”

If you receive an early retirement offer from your employer next week, are you prepared to make such a big financial and personal decision?  Getting such an offer may be a good thing…or a whopping insult.  The reality is that many employers are using early retirement offers as a way to ease us older folks […] more

Retirement and Estate Planning Talks With Dad: Best Father’s Day Gift Ever

Bob Bumstead

By Guest Contributor: Susan Bumstead Chanley, Principal of Crystal Communications Group, a marketing communications consultancy. June has always been a special month for my family.  It’s the month of my parents’ birthdays (they are deceased now) and, of course, Father’s Day. While I’m not known as the family baker, each year I made my dad red […] more

Is It Too Late For An “Old Guy” To Learn Jazz In Retirement?

Los Angeles is quite a place to visit.  Every time I fly over the  mountains and see the sheer sprawl of the area spilling to the edge of the Pacific Ocean, I can’t help but wonder about this area.  Is it possible to retire out here – and would anyone want to?  It’s congested. How […] more

Social Security: Claiming Categories

Where do you fit in Social Security’s 4 claiming categories? April is Social Security education month.  So, let’s learn more about this crazy-complicated, but oh-so-important program that will become the foundation to your retirement income. To help you get your arms around Social Security, I’ll post “Did You Know” articles periodically.  Did You Know #1 […] more

Early Retirement Offer in Your 50s: To Take or Not to Take? That is the Question.

What would you do if you opened your email today and had a note from Human Resources that you are now eligible for an early retirement package?  Would you jump for joy?  Be paralyzed?  Think this was an incredible insult? Many women are facing this real situation, especially in their 50s.  All of a sudden, […] more

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