PLEASE BE AWARE if you are also receiving benefits under CalSTRS (CalPERS if you are a California government employee), then Social Security may apply either or both of the following to your Social Security benefit: Windfall Elimination Provision or Government Pension Offset.
Healthcare does not have to wreak financial havoc on your retirement if you plan properly. The first step towards financial freedom in your golden years is research. No one can hit a target they can’t see, so blind estimates about costs are futile and potentially dangerous. It’s never too late to start developing a retirement budget, and the best way to do so is to get hard numbers.
Did You Remember to Designate a Beneficiary? When reviewing current beneficiary designation or if you are completing these forms for the first time, you need to consider not only who the primary beneficiary is, but also what happens if that primary beneficiary predeceases you.
No one wants to be the one to take away someone’s driving privilege. However, operating a vehicle is incredibly dangerous even with one’s full faculties and this danger increases with age. Learn some warning signs that your loved one needs to retire his/her driver’s license.
As important as it is to ensure safety when driving, the consequences of being unable to drive can feel overwhelming. Learn how to make it work.
As Medicare Advantage providers begin to implement new benefits, it is important to evaluate your insurance options during each Medicare enrollment period. Additionally, even with expanded benefits, it is still crucial to plan for long-term care. Private long-term care insurance, private paying, and Medi-Cal will still be the primary sources for paying for long-term care, not Medicare.