Posts by AmericasRetirementPlan
Pre-Retirement Financial Checklist: Get Your Financial House in Order
Are you within a few years of retirement? Now is the perfect time to get your financial house in order. Here’s what to include on your pre-retirement financial checklist: 401(k) Plans Decide what to do with your current 401(k). You generally have three options: Leave the assets with your soon-to-be-former employer. Roll them into…
Read MoreHow Behavioral Factors Shape Retirement Wealth
A recent Wharton conference explored how noncognitive skills, mortality beliefs, aging, and gender disparities impact retirement wealth. By Knowledge@Wharton.com for Horsesmouth Wharton’s Olivia S. Mitchell states the stark truth about saving: “Let’s be honest, saving is no fun. People don’t get ‘utils’ (or utility) out of saving. They get utils out of spending. Therefore…
Read MoreSummer Travel Plans and Uncertain Skies: How Smart Insurance Fits In
For many investors, travel is an important part of how they spend time and money, especially in retirement. In 2026, however, planning a trip can feel more complicated. Conflicts, airspace closures, airport delays, airline schedule changes, and higher travel costs can disrupt even well-planned itineraries. Travel insurance is also being marketed more aggressively, often as…
Read MoreRetirement Confidence Gap – Bridging Savings, Debt, and Emergencies
One of the defining participant issues in 2025 was not simply market performance. It was confidence. Industry research shows that many workers are less certain they can retire when they want, while inflation remains one of their top financial concerns. That finding points to a broader challenge in defined contribution plans: many workers know retirement…
Read MoreSocial Security – Spousal Benefits
By Elaine Floyd, CFP ® If you did not work long enough to qualify for a Social Security benefit based on your own earnings—or if your benefit is significantly less than your spouse’s benefit—you may qualify for a spousal benefit based on your spouse’s earnings. But you’ll need to know the rules! To qualify for…
Read MoreSocial Security – Survivor Planning
By Elaine Floyd, CFP ® Survivor benefits are one of the most valuable—and under-appreciated—forms of Social Security. Maximizing this form of life insurance requires planning while both spouses are alive and also following the death of one spouse. A maximum earner we’ll call David, who is age 62 now and who claims his benefit at…
Read MoreThe Cost-of-Living Adjustment and What It Means For You
By Elaine Floyd, CFP ® Each year, the Social Security Administration (SSA) announces the cost-of-living adjustment for the next year. Whether you are retired or not, you should be aware of what the changes mean. In October, the Social Security Administration announced that the cost-of-living adjustment (COLA) for 2026 is 2.8%. The increase shows up…
Read MoreSocial Security: The Important Questions
By Elaine Floyd, CFP ® Those “How much do you know about Social Security?” quizzes you see online are fun and interesting, but the bigger questions you should be asking are those that can help you get the most out of the program. Do you know much Social Security you stand to receive over your…
Read MoreSocial Security Snafus—and How to Fix Them
By Elaine Floyd, CFP ® First let it be said that for the number of people served (73 million) and the amount of money paid out annually ($1.5 trillion), the Social Security Administration does an admirable job of keeping everything straight. More than 99% of beneficiaries receive their benefits on time and in the correct amount…
Read MoreScam Alert: Fake Social Security Admin Emails: Your financial well-being depends on fraud prevention and smart planning
As your financial advisor, safeguarding your personal and financial information is paramount. The Social Security Administration’s Office of the Inspector General (SSA OIG) has issued a warning about a new email scam designed to deceive individuals into compromising their sensitive data. Scam Overview: Fake SSA Emails Prompting Statement Downloads Scammers are distributing emails that mimic…
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