When it comes to securities investing, market liquidity refers to how easily you can buy or sell an investment at a fair market price when you want to. When a security is illiquid–meaning it has low market liquidity–finding a buyer when you want to sell might be difficult. You might have to accept a lower […]
Key Points It’s common for older married couples to both collect Social Security benefits. Benefit cuts could be coming to Social Security as soon as 2032 if lawmakers don’t act sooner. This could lead to a devastating cut in benefits for older married couples. The $23,760 Social Security bonus most retirees completely overlook › Many […]
Disclosure documents are written materials that provide important information about investments, firms and financial professionals. These documents can give you information when you’re considering a new firm, opening a new account, trying a new investment strategy, or buying investment products such as stocks, bonds, mutual funds, exchange-traded funds (ETFs) or municipal securities. They also provide […]
When a hot company is in the news, it might be tempting to take advantage of offers to invest before it goes public through an initial public offering (IPO). That’s what “pre-IPO” investing promises: a chance to buy shares of a private company before it lists on a stock exchange. If you’re offered early access […]
Key Points Current 2027 COLA estimates are solidly in the 3.4% to 3.6% range. Earlier projections had 2027’s COLA at above 4%. A 4% COLA isn’t off the table, but it would come at a steep cost. The $23,760 Social Security bonus most retirees completely overlook › Social Security’s annual cost-of-living adjustments (COLAs) are extremely […]
By Jonathan Ping, originally published at My Money Blog. The Capital One Venture Rewards Card is a premium travel rewards card with a minimum of a flat 2 “miles” per dollar on all purchases. These “miles” are very flexible, and can be redeemed directly against any travel purchase made with the card within the past […]
Jonathan Ping
By Wes Moss, originally published at Capital Investment Advisors. The 4% rule of thumb is a widely used method to estimate how much a retiree might initially withdraw from an investment portfolio. In its traditional form, you withdraw roughly 4% of the portfolio in your first year of retirement, then adjust that dollar amount for […]
Wes Moss
Key Points Social Security has been running at a deficit since 2010, paying out more in annual benefits than it receives in wage tax revenue. Based on the outlook for outlays and taxes, by the fourth quarter of 2032, the program will completely deplete the trust fund where it stored its prior surpluses. Among the […]
Key Points Social Security may have to cut benefits in a few years. Though cuts aren’t guaranteed, they’re important to prepare for. Boosting savings while you can could make Social Security cuts less painful. The $23,760 Social Security bonus most retirees completely overlook › If you’re in your 40s, Social Security may be something you […]
Key Points The benefit of doing a Roth conversion is to lower the amount of tax you pay on your retirement savings. Make sure you’re converting at a low enough tax rate to make it worth it. The $23,760 Social Security bonus most retirees completely overlook › If you’re nearing retirement and have a large […]
Key Points Investing for your future is important because Social Security benefits aren’t enough to live on. Understanding how much others in your age range have saved can inspire you to invest. Ultimately, your savings must be based on your personal retirement goals. The $23,760 Social Security bonus most retirees completely overlook › If you […]
When a client asks their advisor to place an investment trade or execute another planning action, it typically comes as a result of a consultation with the advisor (and often reflects the advisor’s recommended course of action). However, sometimes a client might request that the advisor take an action the advisor believes isn’t in the […]
Michael Kitces
By Jonathan Ping, originally published at My Money Blog. (Update: Offer is back, this time for $300 for $20k with a 90 day hold. Again available to both new and existing customers depositing new funds. For existing customers, the deposits must be in addition to your balance as of September 7th, 2026. To be clear, […]
Jonathan Ping
Key Points Social Security benefits should be getting a cost-of-living adjustment (COLA) in 2027. That announcement is slated for mid-October, You should also find out key Social Security updates when the COLA is revealed. The $23,760 Social Security bonus most retirees completely overlook › Earlier this year, Social Security benefits got a 2.8% cost-of-living adjustment […]
By Ben Carlson, originally published at A Wealth of Common Sense. Here’s a story from Bloomberg: That doesn’t sound good. Here’s the main argument: Turning 30 just got a lot scarier. A coming collapse in investment returns means that people that age today will have to work seven years longer or save almost twice as […]
Ben Carlson
Key Points Before you retire, it’s crucial to have a sense of your spending needs. Figure out where your retirement income will actually come from. Have a plan so your days are meaningful and busy enough. The $23,760 Social Security bonus most retirees completely overlook › If you’re gearing up to retire in 2030, you […]
By Nick Maggiulli, originally published at Of Dollars And Data. I recently joined a professional organization to discuss various topics in wealth management. On our first Zoom call there was a debate around the use of levered long/short strategies. For the uninitiated, a levered long/short strategy is a way of taking market risk (like buying […]
Nick Maggiulli
Key Points Retirees will likely get a cost of living adjustment in 2026. This change to your monthly check isn’t the only change that’s likely to happen. The amount needed to earn eligibility will change, along with the rules for how much you’ll have to pay in Social Security tax. The $23,760 Social Security bonus […]
26-50 of its clients receive financial planning services.
Steven G. Blum and Associates, LLC reports charging a percentage of the assets they manage for you and commissions.
Note: this firm can be paid commissions on products it sells, which is a conflict of interest worth asking about.
Steven G. Blum and Associates, LLC reported no disciplinary disclosures on Item 11 of its latest Form ADV. That covers the firm and its associated people at the time of filing; verify the current position on the official SEC record.
Every figure on this page is taken from Steven G. Blum and Associates, LLC’s own Form ADV Part 1 filing with the SEC, last filed March 6, 2026. Retirely does not verify these figures and is not affiliated with this firm. Nothing here is advice or a recommendation to hire or avoid any adviser. Confirm the current record at adviserinfo.sec.gov.
