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Social Security

2017 4th Quarter Market Review – Virtue Capital Management

Global Economic Review The bull market that had been dubbed “the bull market everyone hates” has extended into the second longest and third strongest bull market in United States history.  Although this economic recovery has been the most tepid since the Great Depression, 2017 ended with surprising global economic activity to the upside, and global earnings growth following a similar trend. U.S. GDP registered consecutive 3% quarterly tallies, and, because of the stimulative year-end tax package, economists raised expectations for 2018 economic growth. In response to the resurgence in the economy, the Fed raised interest rates at the December FOMC meeting,...

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10 Surprising Retirement Stats

Americans haven’t done a good job planning and saving for retirement. A surprising fact is that many older Americans, particularly the hard-working Baby Boomer generation, have done worse than the subsequent generations they so often criticize. Still, the overall picture remains bleak. Here are 10 surprising retirement stats to consider: One in three Americans are unprepared for retirement[1] Thirty-three percent of the United States population is not ready for retirement, having saved nothing at all for their post-work years. Beyond that, 56% of Americans have less than $10,000 saved, and fewer than 20% have saved more than $200,000. The average amount saved by...

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10 Biggest Retirement Mistakes

Retirement may be both one of the most anticipated and feared milestone events in each person’s life. For most of adulthood people plan, save, and dream of the day when they no longer have to build their lives around their occupation and are free to pursue what they enjoy. Once they get there, it’s often different from what they expected. Some common blunders can turn a hoped-for dream into an anxiety-filled nightmare. When entering retirement, watch out for these common retirement mistakes. Overspending When your retirement savings are going fast, it’s an urgent financial issue. The first step is to figure out if...

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What Same-Sex Couples Need to Know About Social Security

Social Security recognizes same-sex couple marriages in all states. Some non-marital legal relationships like civil unions and domestic partnerships determine Social Security benefits as well. Consider these factors to receive the most from your benefits. Social Security Benefits and the Law On June 26, 2015, the Supreme Court ruled same-sex couples have the right to marry in all states, and that all states must recognize their union. Social Security focuses on treating all Americans with dignity and equality. Marital Status Determines Eligibility If you’re married, same-sex couples can receive Social Security benefits when one person retires, dies or becomes disabled. Your social security taxes...

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How Couples Get the Most Out of Their Social Security

Social Security planning can be tricky, especially if you and your spouse are different ages. It is important to be prepared and plan accordingly to get the most out of your benefits. Focus on the best time for you to collect as a couple, not just as a single entity. This is a common mistake couples make, and you could potentially lose some of your benefits. Here are some strategies to get the most out of your Social Security: 1. Primary Breadwinner Can Delay Benefits When one spouse is the primary breadwinner for the couple, it usually makes sense for that person to...

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Social Security for Women Seminar

Retirement professional, David Macino, announced today he will host a free seminar titled Social Security for Women at Stautzenberger College, 1796 Indian Wood Circle, Maumee, OH 43537. Many women have reasons to be concerned about achieving a secure retirement. How confident are you that you will be able to live comfortably in retirement? Join David for a FREE educational workshop to help women understand the unique retirement challenges they face. Reserve your seat today to learn strategies that maximize your Social Security income. Two sessions are available. Seating is limited. RSVP today. Tuesday, February 21 @ 6:30 pm ET Thursday, February 23 @ 6:30 pm...

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