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spousal social security

When One Spouse Retires First

By Joseph Lucey | November 21, 2017

It’s easy to think of retirement and dream of a relaxed stroll into the sunset with your significant other by your side. After all, many advertisements repeat this theme with salt-and-pepper-haired couples strolling hand in hand across a beachfront. Yet, this is not always the case. Anymore, we often see couples retire at different times…

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3 Common Questions About Social Security

By Joseph Lucey | September 19, 2017

While Social Security shouldn’t be relied upon to be the sole source of income during retirement, it can play an important role in your overall financial strategy for retirement. But making sense of the basic ins and outs of Social Security can be overwhelming. Here are three questions people commonly ask as they approach retirement…

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Tax Strategies for Retirement Portfolios

By Joseph Lucey | March 14, 2017

Tax-deferred financial vehicles are an effective way to accumulate assets while you’re working. However, once retired, individuals should carefully consider how (and when) to position assets to help optimize growth and income while reducing their tax liability. The following are some points to remember about distributions. Taxable Investment Portfolio Short-term capital gains are taxed at…

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The Old-School Stool

By Joseph Lucey | February 27, 2017

The proverbial “three-legged stool” of retirement funding traditionally comprised Social Security, a company pension and personal savings, but that stool has been wobbly for quite some time. In fact, the traditional pension has been replaced largely by employer-sponsored 401(k) plans. This development firmly places the responsibility of two of the three stool legs on individual…

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Avoiding Biased Decision Making

By Joseph Lucey | February 20, 2017

When you hear something repeated enough times, doubts may start to slip away, and eventually it’s accepted as a fact. Believing the things that are imbedded in our psyche because we’ve heard them before is known as an “availability bias.” This may partially explain why blue-chip stocks are popular, as more investors tend to be…

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Have You Ever Thought of Your Social Security as Life Insurance?

By Joseph Lucey | October 10, 2015 | 0

A newly widowed client came to my office this month in despair. Her husband Dave had just passed away from an unexpected and sudden heart attack. She, the surviving spouse, was not currently working, opting instead to stay home to raise her son, (age 13) and step-daughter (age 17) who are both in public school.…

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This website is a publication of Secured Retirement Financial. Information presented is believed to be factual and up-to-date, but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. Information on this website does not involve the rendering of personalized investment advice, but is limited to the dissemination of general information on products and services. A professional adviser should be consulted before implementing any of the strategies presented. Secured Retirement Financial is not engaged in the practice of law or accounting. Information on this website is not an offer to buy or sell, or a solicitation of any offer to buy or sell the securities mentioned herein. Hyperlinks on this website are provided as a convenience. We are not responsible for information, services or products found on websites linked hereto. All investment strategies have the potential for profit or loss. Changes in investment strategies, contributions or withdrawals, and market conditions, may materially alter the performance of your portfolio. Different types of investments involve varying degrees of risk. There is no guarantee that a specific investment will be suitable or profitable for a client's portfolio. Similarly, there is no guarantee that a portfolio will match or outperform any specific benchmark. *Guarantees provided by insurance products are backed by the claims paying ability of the issuing carrier. The 10 Things to Know About Planning Your Retirement Income Report is provided for informational purposes only. It is not intended to provide tax or legal advice. By requesting this report you may be provided with information regarding the purchase of insurance and investment products in the future. Secured Retirement Advisors, LLC is registered as an investment adviser. The firm only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. Registration does not constitute an endorsement of the firm by securities regulators and does not mean that the adviser has achieved a particular level of skill or ability. Secured Retirement Financial and Secured Retirement Advisors, LLC are affiliated companies.

Advisory services offered through Secured Retirement Advisors, LLC. Secured Retirement Advisors is registered as an investment advisor. Secured Retirement Advisors only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements .

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