Posted on Sunday, 22nd April 2012 by Paul Risser

Many people underestimate lifestyle costs, medical expenses and inflation. Presented by Paul H. Risser What is enough? What is not enough? If you’re considering retiring in the near future, you’ve probably heard or read that you need about 70% of your end salary to live comfortably in retirement. This estimate is frequently repeated … but […]

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• ANNUITIES / ELIGIBILITY
• ESTATE PLANNING
• FINANCE / TIP
• RETIREMENT CONCERNS
• SOCIAL SECURITY / MEDICARE
• SURVIVOR INFORMATION

Posted on Thursday, 12th April 2012 by Dennis Damp

The Windfall Elimination Provision primarily affects you if you earned a pension in any job where you did not pay Social Security taxes and you also worked in other jobs long enough to qualify for a Social Security retirement or disability benefit. For example, this provision affects Social Security benefits when any part of a […]

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• ANNUITIES / ELIGIBILITY
• BENEFITS / INSURANCE
• ESTATE PLANNING
• FINANCE / TIP
• LIFESTYLE / TRAVEL
• RETIREMENT CONCERNS
• SOCIAL SECURITY / MEDICARE

Posted on Thursday, 5th April 2012 by Paul Risser

Two-thirds of us have no financial plan. provided by Paul H. Risser 64% of Americans have no financial strategy at all. That’s right – no plan whatsoever to build wealth or keep it. That finding comes from the 2009 National Consumer Survey on Personal Finance conducted by the Certified Financial Planner Board of Standards, Inc. […]

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• ESTATE PLANNING
• FINANCE / TIP

Posted on Monday, 26th March 2012 by Paul Risser

Little details worth paying attention to as April approaches. Presented by Paul H. Risser Every year, the IRS institutes big and little changes – and some don’t get as much notice as they should. This year is no exception. Here is a rundown of some of alterations and asterisks affecting taxpayers this year. Don’t forget […]

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• ANNUITIES / ELIGIBILITY
• ESTATE PLANNING
• FINANCE / TIP
• RETIREMENT CONCERNS

Posted on Sunday, 11th March 2012 by Paul Risser

Over the years I’ve talked to many federal employees about their Thrift Savings Plan (TSP). Unfortunately most don’t have an understanding of what their options are at retirement. First, let’s discuss your current TSP allocation. Does your current allocation still meet your needs and goals? What I have found is most folks seldom reallocate investment […]

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• ANNUITIES / ELIGIBILITY
• BENEFITS / INSURANCE
• ESTATE PLANNING
• FINANCE / TIP
• RETIREMENT CONCERNS

Posted on Friday, 2nd March 2012 by Dennis Damp

This May the Thrift Savings Plan is launching a new investment option that provides more flexibility for TSP participants. Federal employees and military members will be able to allocate their contributions between a Roth and the traditional plan shortly. The flexibility is in the tax treatment of the employee’s contributions and it may be beneficial […]

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• ESTATE PLANNING
• FINANCE / TIP
• RETIREMENT CONCERNS
• SURVIVOR INFORMATION

Posted on Sunday, 26th February 2012 by Paul Risser

Meeting your obligations & finding some opportunities. Presented by Paul H. Risser After you turn 70½, the IRS requires you to withdraw some of the money in your retirement savings accounts each year. These withdrawals are officially called Required Minimum Distributions (RMDs).1 While you never have to make withdrawals from a Roth IRA, you must […]

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• ANNUITIES / ELIGIBILITY
• FINANCE / TIP
• RETIREMENT CONCERNS
• SURVIVOR INFORMATION

Posted on Monday, 20th February 2012 by Dennis Damp

There is much to consider before applying for Social Security. I’ll be 63 in May and my wife turns 62 this year. Do you need your Social Security card to apply? Many misplace their card and it isn’t uncommon to lose a card that you’ve had around the house for 40 years or more. You […]

Posted in

• BENEFITS / INSURANCE
• ESTATE PLANNING
• FINANCE / TIP
• SOCIAL SECURITY / MEDICARE