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Mastering Retirement Journal

Is Your Financial Advice Holding You Back?

Man with suit and grey hair

3-minute read

A Look Back on Financial Planning and Software

Financial planning for retirement has been an established industry for at least 30 years at this point. The software for doing the planning has come such a long way. At the time,some of the earliest packages were
still being run on DOS-run computers, if you remember what that was. One of the first financial planning software packages was called Leonard 2000 in 1993. At the time, and still, financial planners used to often say, “Let the software crunch the numbers first, and then we’ll decide what financial steps to take after that.” Made sense, but many people today are still not doing much detailed software-based planning. The different results found by doing detailed planning versus an individual advisor postulating what you should do can be dramatic. The advice you’ve been given, therefore, if it’s not been done with proper planning, software, and a few scenarios run, could really be holding you back from some great retirement advice.

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Football Season is Over….Retirement Lessons Still Important

football on green turf

3-minute read

For those of you who are familiar with American Football, you might be familiar with a term known as the “red zone”. If you aren’t as familiar with football and have never heard the term, it’s defined as when the team on offense enters the opponent’s 20-yard line or closer to the end zone. In short, it’s when a team gets into scoring range. The red zone is a critical time for a Football team on offense or defense as the outcome in those plays have an outsized impact on the game, and possibly even the season.

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What People Get Wrong Claiming Social Security

money and social security cards

3-minute read

Social Security has been around since 1935, when Franklin D. Roosevelt signed the Social Security Act into existence. Despite being around for almost 100 years, there still isn’t an easy answer for people on when they should claim for maximum optimization. Everyone’s situation is different, and there is no “one show fits all” approach, but there is one mindset you need to have when deciding to claim your Social Security that will better shape your decision than any other calculation. That mindset? Looking at your full picture.
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