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The Taxes 2-Step

by smeneshi - Dec 28, 2015 With 2015 winding down and winter now beginning, it’s hard to believe another season is quickly sneaking up on us. Whereas Christmastime is known to be the season of cheer, April 15 puts a cap Continue Reading ?

2 Major Changes to Social Security

by smeneshi - Nov 02, 2015 The Bipartisan Budget Act of 2015 makes major changes to Social Security claiming rules related to the Voluntary Suspension of income benefits and the filing of a Restricted Application. Changes to the Restricted Application The Continue Reading ?

Your Pension Crisis and Low Interest Rates

by smeneshi - Sep 28, 2015 After the stock shock of 2008 and after nearly a decade of decreasing interest rates, many pension fund managers are abandoning their long-held belief that a diversified portfolio of stocks, bonds and other assets will Continue Reading ?

A Bear Walks Into a China Shop…

by smeneshi - Aug 27, 2015 Even though the Shanghai stock market fell 35% from June to July,  given the panic selling in global markets recently, it’s now finally dawned on investors that the Chinese economy is really slowing down.  Some economics Continue Reading ?

Get Rid of [Some] Money Worries for Good

by smeneshi - Jun 24, 2015 A lot of you are worried that the stock market is a bit long in the tooth and that your 457 plan and other investments may suffer some painful losses. After all, the Dow Jones Continue Reading ?

“Claim & Suspend” to Boost Your Social Security Income

by smeneshi - May 27, 2015 As a Certified Financial Planner™ practitioner, I’m always looking for strategies to help my clients maximize their Social Security benefits.  There are a number of loopholes in the Social Security system that aren’t obvious and Continue Reading ?

The Best Age to Take Your Social Security is…

by smeneshi - Apr 29, 2015 With millions of public sector Baby Boomers retiring over the next 20 years, deciding on when to take your Social Security benefits will be front and center when planning for retirement.  Picking the right age Continue Reading ?

Locked Out of the Roth? Try the Backdoor Roth IRA

by smeneshi - Mar 26, 2015 Many of you in the public sector have a household income that disqualifies you from making contributions to the popular Roth IRA.  For married couples with a Modified Adjusted Gross Income (MAGI) of $193,000 or Continue Reading ?

457 Plan Protection + Tax-Free Income

by smeneshi - Feb 25, 2015 What started out as a quiet Saturday morning led to dinner with my wife at a nice restaurant. We decided to celebrate a major financial victory – in just about 1 hour we easily put Continue Reading ?

Solved! The LTC Rub

by smeneshi - Jan 26, 2015 When it comes to personal finances and retirement, most of you in government, like your private sector counterparts, worry mainly about two things: high long-term care expenses and inflation. As for inflation, many pensions only Continue Reading ?

FREE Online Estate Planning Workshop [for the Public Sector] January 29, 2015 at 11:45AM Central

by smeneshi - Jan 09, 2015 The sad truth is a lot of government workers & retirees risk financial ruin because of improper estate planning.  Attend a FREE online workshop for public sector employees and retirees that will show how to Continue Reading ?