By The White Coat Investor, originally published at The White Coat Investor. By Jim Dahle, WCI Founder <!–You likely make more money than almost everyone else in your life. Your friends outside of medicine thought you were rich as soon as you started residency, despite the negative net worth. Your family doesn’t understand why you’re […]
The White Coat Investor
Key Points The Social Security Administration makes key program updates annually to reflect inflation changes. These changes affect benefit eligibility, payroll taxes, and the size of certain seniors’ checks. We’ll learn about all these updates and the COLA on Oct. 14, 2026. The $23,760 Social Security bonus most retirees completely overlook › The 2027 Social […]
Welcome everyone! Welcome to the 505th episode of the Financial Advisor Success Podcast! My guest on today’s podcast is Andrew Rosen. Andrew is the executive chairman of Diversified, LLC, an RIA based in Wilmington, Delaware, that oversees approximately $3.6 billion in assets under management for 2,500 client households. What’s unique about Andrew, though, is how […]
Michael Kitces
Key Points Claiming Social Security at 62 can result in benefits shrinking. While experts generally recommend waiting until age 70 to start benefits, sometimes a claim at 62 makes sense. If you don’t have a long life expectancy or if you’re opening up the door for your spouse to delay their own claim, waiting until […]
Key Points Seniors are permitted to work while collecting Social Security. Depending on your age, you may be subject to an earnings limit. If your wages exceed a certain threshold, you could have benefits withheld. The $23,760 Social Security bonus most retirees completely overlook › For many older Americans, claiming Social Security can make it […]
Key Points Retirement on average savings, plus Social Security, is typically modest, but it can vary. Married couples may live more comfortably because they’ll have two Social Security checks. You may need to revise your retirement plans if you’re behind where you want to be. The $23,760 Social Security bonus most retirees completely overlook › […]
Key Points Stanley Druckenmiller has long believed that Social Security reform is needed to preserve the benefits for future generations. While lawmakers continue to punt on the issue, surging U.S. government debt and bond yields are making the matter difficult to ignore. The $23,760 Social Security bonus most retirees completely overlook › The Social Security […]
By Rick Kahler, originally published at Financial Awakenings. If you are under 50, will Social Security still be there when you retire? The answer starts with a number, 2.1, that demographers call the replacement rate. When women have an average of about 2.1 children, a country’s population stays level. Below that, without immigration, the population […]
Rick Kahler
Key Points The average 401(k) balance has reached a high of $155,800, according to Fidelity. Being at or above this average doesn’t tell you whether you’re on track for a comfortable retirement. You need a personalized savings target to aim for. The $23,760 Social Security bonus most retirees completely overlook › The average 401(k) balance […]
Key Points You must make Roth catch-up contributions if you earn $150,000 or more in 2026 rather than make pre-tax contributions. This will likely lead to a larger tax bill this year, but it could also give you greater control later on over your retirement tax bills. The $23,760 Social Security bonus most retirees completely […]
Key Points The 2027 Social Security COLA is estimated to be around 3.6%. This would add roughly $75 to the average monthly benefit. We will learn the actual 2027 COLA this coming Oct. 14. The $23,760 Social Security bonus most retirees completely overlook › Social Security beneficiaries are just a few months away from what […]
By The White Coat Investor, originally published at The White Coat Investor. By Jim Dahle, WCI Founder <!–Retirement is classically divided into three stages based on the activity level of the retiree: The go-go years The slow-go years The no-go years Financially speaking, people tend to spend more during the go-go years (often on travel) […]
The White Coat Investor
Over the decades, the work that financial advisors do has changed considerably – from product sales to investment management to more ‘holistic’ financial advice and behavioral coaching. As the advisor’s offerings have shifted, so too have their fee models: product sales have evolved towards an assets under management (AUM) model. Some of today’s advisors, facing […]
Michael Kitces
By Ben Carlson, originally published at A Wealth of Common Sense. A lot of people are worried about the impact of artificial intelligence For good reason. Here’s something Bill Gates said this week: “In private, people who understand how good this stuff is, and how much better it’s getting, they’re very worried,” he said. But […]
Ben Carlson
Key Points A Social Security claim at 62 reduces your monthly checks for life. If you have a lot of savings and don’t need the money per se, early access to it could be a positive thing. If you don’t have a spouse to worry about and are concerned about a shorter lifespan, an early […]
Key Points Required minimum distributions (RMDs) apply to non-Roth retirement accounts. Failing to take RMDs could leave you facing steep penalties, but there’s a way around that. RMDs could drive up your taxes, but one strategy could minimize the sting. The $23,760 Social Security bonus most retirees completely overlook › There’s a reason people are […]
Key Points The goal of building a retirement nest egg is to use those saving to support spending in retirement. Some savers never manage to shake the habit of saving, which could be bad for them and even their heirs. The $23,760 Social Security bonus most retirees completely overlook › How much is enough? That’s […]
Key Points Not knowing the ins and outs of Social Security could cost you. Make sure you understand what happens if you work while collecting benefits. Know what happens if you file for benefits too early or claim spousal benefits too late. The $23,760 Social Security bonus most retirees completely overlook › If there’s one […]
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