AgingOptions Life Plan: Finance

“Will I have enough assets in order to not run out of money before I run out of life?” is top of mind for all of us in the final third of our lives.

In answering this, preservation, positioning and passing of accumulated wealth goes beyond traditional estate planning. It calls for all affected family members to be

participants in a model that integrates health, housing and elder law considerations.

This “Misunderstood” Financial Tool Could Rescue Your Retirement

There’s a crisis looming in America when it comes to retirement. No doubt you’ve read the articles and heard the news stories about this oncoming tidal wave of challenges for retirees, especially aging boomers. We’ve written about this issue several times on the AgingOptions Blog. As baby boomers retire – now at the rate of […]

Fewer and fewer Americans are Seeing Retirement Dreams Come True

A few weeks ago USA Today published an article that was a real eye-opener for those of us in the retirement field. The title spoke volumes. “Easy retirement?” it read. “Only for the privileged few.” No matter whether you’re retired or just beginning to plan, we suggest you click here to read this important analysis. […]

Retirement Expert Warns that Facebook Might Ruin Your Retirement!

Could Facebook and other popular forms of social media actually ruin your retirement? It’s possible – and it’s something online seniors increasingly have to guard against. That’s the fascinating conclusion from this very recent article in USA Today. If you’re a fan of social media – and odds are you are, since two-thirds of American […]

Financial Abuse of Elders Growing More Common, More Costly

Elder financial abuse is even more widespread and more costly than experts had believed – and the incidence of abuse appears to be rising fast. That’s the conclusion from a surprising and disturbing new study we recently read about on the financial website of Time magazine. You can click here to read this important article […]

Social Security Benefits based on Deceased Spouse

 Dear Rajiv,  My question on the radio concerned when a relative, age 63, still working, whose wife passed away four years ago, could collect one-half of his deceased wife’s social security. He plans on working until age 70 or so, and will want to collect his larger social security benefit at that time.  Please advise […]

Social Security Adjusted Payment

Hello Rajiv, I have not received an adjusted SSA payment for my earnings for 2015, I normally receive this in November of the following year (2016) I am receiving SSA payments at present (full retirement age) but am still working thus making SS payments via my paycheck. I seem to have this issue every year […]

Cost of Caregiving Can Hit “Like a Tsunami,” says New AARP Report

As anyone knows who has served the needs of an infirm loved one, being a caregiver exacts a heavy emotional toll. Not only must the caregiver deal with the pain of watching a loved one in decline, but he or she must keep up their strength for the day in, day out physical exertion that […]

Veterans, Beware: Scam Artists are Targeting Your Pension Benefits

Scam artists know no shame. Here at AgingOptions we frequently hear from clients and radio listeners asking us about some enticing new offer, investment or scheme they’ve received in the mail or read about online. Seniors are considered to be especially vulnerable to fraud, since as a group seniors tend to be more trusting, more […]

Insurance Giant John Hancock Says It’s Getting Out of the LTC Business

If any of us needed any more evidence that the long-term care (LTC) insurance industry is in upheaval, this surprising article from the Forbes website provides it.  Forbes magazine reports that insurance giant John Hancock is leaving the LTC insurance business effective in December 2016. Policies presently in force, estimated at 1.2 million, will remain […]

With Open Enrollment Well Underway, Beware of the Scam Artists

As certain as the changing of the seasons, whenever they smell opportunity the “scam artists” come out of hiding to prey upon their innocent victims. Sadly, seniors tend to be relatively easy targets, and Medicare open enrollment period provides, as the military people say, a “target-rich environment.” Our advice to you, echoed in this recent […]
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