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Medicare’s Open Enrollment Period Is Only a Month Away. 3 Things to Do Now to Prepare.

Key Points Review your current insurance coverage and identify what you like and dislike about it. Record all medications, specialists, and services you expect to need in 2027. Figure out how much you can afford to spend on premiums and deductibles next year. The $23,760 Social Security bonus most retirees completely overlook › The 2027 […]

1h ago The Motley Fool

3 Reasons Not to Delay Retirement — Even When Your Brain Keeps Telling You to Wait

Key Points Delaying retirement could allow you to save more and stretch your savings further. It doesn’t make sense to delay retirement if your health is starting to decline and your job is compounding the problem. Once you’ve saved enough, the extra money may not be so meaningful to you. The $23,760 Social Security bonus […]

1h ago The Motley Fool

Social Security’s COLA for 2027 Is Shaping Up to Be Historically Unique in a Key Way — But Several Problems Loom

Key Points Estimates of the upcoming Social Security cost-of-living adjustment (COLA) for 2027 have recently gone up — and down. The upcoming COLA will likely mark six years in a row of increases of 2.5% or more. But Social Security faces some pressing challenges and needs to be strengthened. One proposal is to shrink COLAs […]

1h ago The Motley Fool

Breaking Bad News To A Client About Prior Problematic Financial Decisions: Kitces & Carl 199

When a financial advisor engages a new client, they are analyzing a lifetime’s worth of financial decisions that have brought the client to this point. While this often includes many great decisions, it is also likely that a client has mis-stepped along the way… or at minimum, made suboptimal decisions for their goals. Yet these […]

3h ago

Michael Kitces

The 2027 Social Security COLA Announcement Is Just Weeks Away. Here’s What to Expect.

Key Points The Social Security Administration will announce the 2027 COLA on Oct. 14, 2026. The latest COLA estimate is 3.5%, down slightly from earlier estimates. A 3.5% boost would add roughly $73 to the average monthly retirement benefit. The $23,760 Social Security bonus most retirees completely overlook › The Social Security Administration will announce […]

4h ago The Motley Fool

Social Security’s Upcoming COLA Forecast Was Just Updated: Here’s How Much Your Check Could Grow

Key Points Social Security’s 2027 COLA should be announced in mid-October. For now, projections are 3.5% to 3.6%. The typical Social Security benefit could increase by over $70 per month next year, but there’s a wild card to account for. The $23,760 Social Security bonus most retirees completely overlook › If you’re eager to know […]

6h ago The Motley Fool

We’re Less Than a Month Away from Big Social Security COLA News

Key Points There’s major news coming for Social Security retirees in October. On Oct. 14, 2026, Social Security will make an announcement affecting 2027 benefits. Retirees may need to adjust their 2027 financial plans after the October news release. The $23,760 Social Security bonus most retirees completely overlook › One of the most important days […]

9h ago The Motley Fool

Grubhub: $20 off $30 for Amazon Prime Members

By Jonathan Ping, originally published at My Money Blog. Amazon Prime membership includes Grubhub+, and there’s a new $20 off a $30 purchase deal with promo code DEALS20. The code works on both delivery and pickup. I tried out Taco Bell pickup and added 16 cheesy bean and rice burritos at $2 each for $12 […]

13h ago

Jonathan Ping

Retirement Milestone: The 401(k) Balance That Puts 65-Year-Olds Ahead of the Pack

Key Points A 401(k) is a valuable tool for building retirement savings and, for many, their largest investment account. The average 401(k) balance differs greatly from the median balance. The $23,760 Social Security bonus most retirees completely overlook › It is very hard to avoid comparing yourself to others, even though it can be harmful […]

15h ago The Motley Fool

A Big Social Security Change Could Be Coming in 2027, and Higher Earners Will Feel it the Most

Key Points Social Security is primarily funded by payroll taxes. There’s a limit as to how much income the program taxes each year. Social Security’s wage cap is likely to rise in 2027, and some workers could feel the pain. The $23,760 Social Security bonus most retirees completely overlook › At this point, a lot […]

18h ago The Motley Fool

Don’t Roth All of Your 401(k) Money

By The White Coat Investor, originally published at The White Coat Investor. By Jim Dahle, WCI Founder <!–Moderation in all things is a good way to live your life. This certainly applies to the Roth contribution/conversion dilemma, the most complicated question in personal finance and investing. Anyone who thinks this is an easy issue really […]

1d ago

The White Coat Investor

What the Latest Social Security COLA Forecasts Mean for Your $2,000 Benefit in 2027

Key Points The coming annual cost-of-living adjustment will be confirmed near the end of next month. Following last week’s release of August’s inflation data, a couple of forecasts for 2027’s COLA have recently been updated. The implied number is certainly close enough for Social Security recipients to start thinking about even before the official number […]

1d ago The Motley Fool

Is Delaying a Social Security Claim to Increase Your Benefit Really Worth the Sacrifice?

Key Points You have the choice to claim Social Security between the ages of 62 and age 70. The age at which you make your claim will affect the amount of benefits you collect. If you wait to claim your Social Security benefits, you’ll increase the amount you can collect. The $23,760 Social Security bonus […]

1d ago The Motley Fool

3 Medicare Misconceptions That Could Mess With Your Retirement Finances

Key Points Don’t assume you won’t have to pay for Medicare. Know that the timing of your enrollment matters. Recognize that Medicare may not pay for all of the health services you need. The $23,760 Social Security bonus most retirees completely overlook › Once you turn 65, you may have a whole new option for […]

1d ago The Motley Fool

Managing Legacy Investments: 6 Best Practices To Reduce RIA Fiduciary And Compliance Risk

While financial advisors often have discretionary control over a client’s entire investment portfolio, sometimes new clients enter an advisory relationship with large, ‘legacy’ positions that they do not want (or are not able) to liquidate. For instance, the client might own a significant number of shares in a closely held business, hold a large position […]

1d ago

Michael Kitces

This Trump Administration Policy Could Be a Backdoor Social Security Cut

Key Points Social Security is facing serious financial trouble in the coming years. A Trump administration policy moved up the date of trust fund depletion. The policy change could be a backdoor cut to Social Security by starving it of much-needed revenue. The $23,760 Social Security bonus most retirees completely overlook › Social Security is […]

1d ago The Motley Fool

Will Social Security’s 2027 COLA Be the Largest Raise in 4 Years? Here’s What the Data Suggests.

Key Points Social Security COLAs are based on third quarter inflation data. While September’s data isn’t in yet, readings from July and August are pointing to a large 2027 boost. While a giant COLA might seem like a positive thing, it will come at a cost. The $23,760 Social Security bonus most retirees completely overlook […]

1d ago The Motley Fool

Why Are Valuations Falling in a Bull Market?

By Ben Carlson, originally published at A Wealth of Common Sense. Some notable market moves we’ve experienced this year: Mortgage rates have gone from 6% to 7%. The 10 year Treasury yield has gone from 4% to 5%. The inflation rate was 2.4% earlier in the year. Now it’s 3.4%. Oil prices have shot up […]

1d ago

Ben Carlson

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