The recent market volatility and recession are making it more important than ever for retirees and soon-to-be retirees to maximize their Social Security income. But, with over 2,700 claiming rules and hundreds of claiming strategies, Social Security is a confusing maze, especially with COVID-19 shutdowns and outages. Want help deciding which age and which strategy is best? Find out now inside this FREE flowchart and guide. Worried about what’s going on and want advice now? Call (281) 362-1444 to get your questions answered in a complimentary 1-on-1 phone appointment.
FINANCEINSIGHTS.NET
FREE Guide: Maximize Benefits and Social Security Income
Retirees and those who are planning to claim Social Security soon are likely to be hit hardest by the COVID-19 downturn and economic disruption that follows. And with Social Security offices closed, it’s hard to get advice. If you’re not sure of when, where, and how to claim to maximize your government-guaranteed income, it’s urgent that you take action now. Download this FREE simple flowchart that breaks down over 2,700 Social Security claiming rules into a simple decision matrix. Worried about what’s going on and want advice now? I save a few appointments each week — grab one by calling (281) 362-1444.
FINANCEINSIGHTS.NET
FREE Social Security Claiming Guide
The coronavirus-driven uncertainty is hitting retirees who depend on Social Security income and those who plan to claim soon. Now that Social Security offices nationwide are closed, it’s harder than ever to get advice on how to claim or whether you’re eligible for a CARES Act stimulus check. Download this FREE simple flowchart that breaks down the complex considerations and over 2,700 Social Security claiming rules to help people maximize their government-guaranteed income. Worried about what’s going on and want advice now? Call now to get your questions answered in a complimentary, 1-on-1 phone session: (281) 362-1444.
FINANCEINSIGHTS.NET
FREE GUIDE: When, Why, and How Should I File for Social Security?
In the world of finance, the effects of the "confidence gap" can be especially apparent.
PLATINUMTWM.COM
Bridging the Confidence Gap
Rebalancing = restoring a portfolio to its original risk profile. Are you feeling a little off balance? #Rebalance
PLATINUMTWM.COM
Rebalancing Your Portfolio
Retirees and those who are planning to claim Social Security soon are likely to be hit hardest by the COVID-19 downturn and economic disruption that follows. If you’re not sure of when, where, and how to claim to maximize your government-guaranteed income during this volatility, it’s urgent that you take action now. Download this FREE simple flowchart that breaks down over 2,700 Social Security claiming rules into a simple decision matrix. Worried about what’s going on and want advice now? Call (281) 362-1444 to get your questions answered in a complimentary 1-on-1 phone appointment.
FINANCEINSIGHTS.NET
FREE DOWNLOAD: When, Why, and How Should I File for Social Security?
Your chance of an IRS audit may not be that high. It pays to know what may trigger one. #IRSaudit
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What If You Get Audited?
How much could you receive from Social Security? Here’s what to expect. #socialsecurity #retirement
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Social Security Benefits: How Much Will I Receive
College, kids and costs.
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Getting a Head Start on College Savings
Benefit. Premium. Policyholder. Learn the language before evaluating your options. #TermLifeInsurance
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Is Term Life Insurance for You?
A disability could keep you from work and increase costs. How can you protect yourself? #DisabilityInsurance
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Disability and Your Finances
Today’s uncertain #investing environment presents a serious dilemma to many #pre-retirees and #retirees: How much money can you afford to risk by investing in the #StockMarket?
FORBES.COM
Worried About Investing In Stocks During Retirement?
#Markets have their worst day in a month on #Covid concerns, #stimulus plan pessimism, and #election2020 uncertainty. Please check out this latest commentary: https://bit.ly/34tPNnW #economy #stockmarket
Don’t get greedy when the market rises, and don’t panic when it falls. Sound advice—learn more. #BuyLowSellHigh
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The Cycle of Investing
#Credit matters when it comes to insuring anything, here’s how to manage it with #LowCreditScores.
THESIMPLEDOLLAR.COM
How to Get Life Insurance With Low Credit - The Simple Dollar
There are many things to worry about these days, among which your #retirement account probably ranks highly. Depending on the day, #TheMarket can promise the retirement of your dreams or a dream that feels out of reach. Here’s some good news!
NATIONALREVIEW.COM
You Are Better Prepared for Retirement Than You Think | National Review
The U.S. economy grew at a record pace over the last three months. NPR has more @
NPR.ORG
U.S. Economy Grows At Record Pace But Still Has A Long Way To Go
Attention Estate Executors: Do you know about the Alternate Valuation Date?
PLATINUMTWM.COM
Understanding the Alternate Valuation Date
Voter turnout for a U.S. presidential election was the highest in modern history. The latest commentary from @CeteraIM discusses the election uncertainty, potential outcomes, and investment implications. Read more @ https://bit.ly/2Gt4sqp
#economy #markets #stocks #election2020
COVID-19 is changing how Americans spend their money. More @
CNN.COM
How the pandemic has changed Americans' spending and saving habits
These 6 things might make your next return a prime target for an IRS audit. #taxes #IRS #audit
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Red Flags for Tax Auditors
The SECURE Act changed more than just retirement accounts; it also may affect students and families. Learn more now.
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Lesser Known Provisions of the SECURE Act
Value. Growth. Cycles. Underperform. Outperform. Confusing? When was your last Investment IQ test? #ValueInvesting
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Value vs. Growth Investing
If you get a text that promises a $1,200 #StimulusCheck, don't click on it, the #IRS is warning. Criminals are preying on the hardship that many consumers are experiencing during the #coronavirus #pandemic with a #PhishingScam that won't provide any money — but will steal your personal information.
CBSNEWS.COM
Got a text about a $1,200 stimulus check waiting for you? Don't click, IRS says
Recovery. Recession. Gross Domestic Product. Learn the language of economic cycles.
PLATINUMTWM.COM
The Business Cycle
FINANCEINSIGHTS.NET
Hurry! You Only Have Until Dec 7th.
Three steps may make a difference if you find yourself suddenly single.
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Suddenly Single: 3 Steps to Take Now
We all want to know, “What’s next for the financial markets?” But no one knows for sure.
PLATINUMTWM.COM
Where Is the Market Headed?
Are your mutual funds underperforming? Get a free review that will show you how your portfolio stacks up to benchmarks.
FINANCEINSIGHTS.NET
Are your mutual funds underperforming? Get a free review that will show you how your portfolio stacks up to benchmarks.
Track #Biden’s picks and names floated for important positions in the #ExecutiveBranch here.
WASHINGTONPOST.COM
Who Joe Biden is picking to fill his White House and Cabinet
The COVID-19 pandemic has taken a toll on many U.S. households. However, there are important steps you can take to regain control of your financial future. Check out the latest issue of Financial Watch: https://bit.ly/financialwatch-nov2020
You won’t believe what these taxpayers tried to get away with. #IRS #taxes #funny #humor
PLATINUMTWM.COM
Tax Deductions You Won't Believe
There’s no shortage of investment analysis for anyone interested. What’s important to understand?
PLATINUMTWM.COM
Types of Stock Market Analysis
As complex as the details of taxes can be, the income tax process is fairly straightforward.
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How Income Taxes Work
Lifestyle inflation can be the enemy of wealth building.
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Keeping Up with the Joneses
FINANCEINSIGHTS.NET
ACT FAST! Re-evaluate Your Coverage By Dec 7th.
FINANCEINSIGHTS.NET
Are you at risk of these investing extremes?
FINANCEINSIGHTS.NET
Investment Portfolios Take a Hit?
Check out this video on taxes. #IncomeTax
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The Facts About Income Tax
Not even the #pandemic was able to change that.
QZ.COM
The busiest US air travel day in 2020 may be lower than any day in 2019
While #Medicare makes #HealthCare a lot more affordable for older #Americans, it’s also an extraordinarily complex program to navigate, and it doesn’t cover all your #MedicalCosts.
THEPENNYHOARDER.COM
7 Commonly Asked Medicare Questions (You’re Not the Only One Who’s Confused)
If you want to avoid any potential surprises at tax time, it may make sense to know where you stand when it comes to the AMT.
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Do You Owe The AMT?
This Monthly Recap summarizes market performance, major events and news from November 2020. Read more here: https://bit.ly/3odtlXd
If you find yourself striving to reach that next level in your life or career but you keep hitting an invisible wall, learning to gracefully say “no” is a key that will unlock so much for you.
FORBES.COM
The Value Of Saying No—And Who To Turn Down
Falling short financially in #retirement is a major concern among working #Americans, and often, it's an issue that comes into play for lower earners who don't have the means to max out an #IRA or #401(k) plan year after year. But wealthier Americans are worried, too.
FOXBUSINESS.COM
Half of Americans with incomes over $100,000 fear they'll never retire
Did you know that women control 51% of all personal wealth in the United States?
PLATINUMTWM.COM
Women on the Rise
The #market changes fast, and if you’re not looking ahead, your business may be sideswiped when your industry is finally disrupted.
FORBES.COM
Council Post: How To Adapt When Your Industry Is Facing Disruption
The latest issue of Retire Wise covers 3 tax-smart ways to help family members in need pay for college and provides helpful information to avoid phony COVID-19 contact tracer scams. Read more here: https://bit.ly/retirewise-dec20
If you'd like to participate in emerging markets, what are your options? #EmergingMarkets
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Emerging Market Opportunities
M0 is the total of all physical currency worldwide. What’s it look like?
PLATINUMTWM.COM
How Big is Money?
Just entering retirement? Here's what you need to know.
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9 Facts About Retirement
Fallen trees damage property and strain neighborly relations. Who pays when your tree falls?
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Fallen Tree Damage—Who Pays?
Health-care coverage (including Medicare) typically does not cover extended medical care. #Medicare
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Money that Buys Good Health is Never Ill Spent
Are you planning to work after taking Social Security benefits? Know the rules. #SocialSecurityBenefits
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How Will Working Affect Social Security Benefits?
Wall Street has a lot of cliches. How many do you know?
#WallStreet
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16 Wall Street Cliches in 60 Seconds
Take an inside look into Simplified Employee Pension plans.
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Is a SEP-IRA Right for Your Business?
APARTMENTTHERAPY.COM
10 Ways to Beat Holiday Stress and Feel Better in 15 Minutes or Less, According to Therapists
FINANCIALPOST.COM
Here's what you need to know to claim home office expenses for the year of working from home
CLEVELAND.COM
7 end-of-the year money-saving ideas: picking tax brackets, IRA withdrawals, loan refinancing, more - That’s Rich!
NYTIMES.COM
Holiday Lights Go Big This Year
POPSUGAR.COM
These Healthy (and Tasty!) Fruit Charcuterie Boards Will Make Your Mouth Water
Before retiring early, take a look at the cold, hard facts. #retiringearly #retirement
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How to Retire Early
You may not be able to stop #floods from wreaking havoc, but #insurance can manage some of the financial loss.
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Protecting Your Home Against Flood Loss
Three steps may make a difference if you find yourself suddenly single.
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Suddenly Single: 3 Steps to Take Now
POST-GAZETTE.COM
Pet Tales: Holiday pet hazards and a food giveaway
Nobel-prize-winning investment research.
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The Ivory Tower Changes Wall Street
Could you find acres of diamonds in your own backyard? Watch this video.
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Acres of Diamonds
Bedtime Story: U.S. Federal Tax Code. How many pages have you read?
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Understanding Marginal Income Tax Brackets
Do you know how missing the best and worst market days might affect your #portfolio?
PLATINUMTWM.COM
It Was the Best of Times, It Was the Worst of Times
Ready to test your knowledge of the stock market? (Infographic)
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How Stocks Work
WASHINGTONPOST.COM
The top wellness topics of 2020 — coronavirus and fitness
The choice of business structure is not a final decision. You may amend your business structure to your changing needs.
PLATINUMTWM.COM
Choosing a Business Structure
#U.S. #NewVehicleSales fell 14.6% last year. A second-half #rebound kindled optimism for #Automakers #recovery later this year.
ABCNEWS.GO.COM
Late sales rebound helps US automakers avoid 2020 disaster
The $600 #StimulusCheck going out to millions of people can now be individually tracked through the #IRS' "Get My Payment" website, which reopened on Monday afternoon. The site informs people about the date of their payment and whether they will receive it via direct deposit or the mailed payment date.
CBSNEWS.COM
Second stimulus check: How you can track when you'll get your payment
The latest commentary from @CeteraIM discusses a likely Democratic sweep of Congress and potential implications of their slim majority in the Senate. Click here to read more: https://bit.ly/3nmiQQz
#economy #markets #stocks #election2020
Your investment strategies and personal beliefs don’t have to be mutually exclusive. Learn more about impact investing here:
PLATINUMTWM.COM
Investing for Impact
Three important questions to consider before you start taking #SocialSecurity.
PLATINUMTWM.COM
Three Key Questions to Answer Before Taking Social Security
Even low inflation rates can impact your retirement outlook over time.
PLATINUMTWM.COM
Inflation - Back to the Future
It's 2021: time to check your tax bracket! The latest issue of Retire Wise covers the 2021 tax rate schedule, standard deduction increases, and 5 ways to reduce pandemic-related stress. Read more here: http://bit.ly/retirewise-jan21
Some rural areas are leading the charge in the #CoronavirusVaccine rollout.
NPR.ORG
COVID-19 Vaccinations Are Off To A Slow Start — But Not In Some Rural Areas
To say that #2020 wasn’t the best year is an understatement. For many of us, it felt like a giant global dumpster fire. Not surprisingly, the stresses of living through a #pandemic have had a terrible impact on our collective #MentalHealth, with rates of depression and anxiety skyrocketing. Many of us feel we can’t say goodbye to last year fast enough
THEGUARDIAN.COM
I teach a course on happiness at Yale: this is how to make the most of your resolutions
Updated your estate strategy for a second marriage? You may not be caring for dependents from your previous one.
PLATINUMTWM.COM
Yours, Mine and Ours: Estate Strategies for Second Marriages
Check out this video on taxes. #IncomeTax
PLATINUMTWM.COM
The Facts About Income Tax
Knowledge ain’t cheap. Preparing for your child’s education involves estimating the potential costs.
PLATINUMTWM.COM
Estimating the Cost of College
Learn about Medicare Advantage and the choices it offers you for health care coverage, prescription drugs, and more.
PLATINUMTWM.COM
Medicare Advantage 101
There are many factors to consider before tapping retirement money to pay for college.
PLATINUMTWM.COM
Should You Tap Retirement Savings to Fund College?
FINANCEINSIGHTS.NET
What's your Risk Number®?
Healthcare may be one of your biggest expenses in retirement. Manage your risk.
PLATINUMTWM.COM
Healthy Body, Healthy Pocketbook
How will Social Security affect your retirement plan? Here is some information that may surprise you.
PLATINUMTWM.COM
Social Security: By the Numbers
According to data from the #COVIDTrackingProject, #corona-related hospital stays have declined for the last 10 days.
FORBES.COM
Rare Good Covid News: Hospitalizations Drop For 10 Straight Days
It’s safe to say that life is not the same as it was a year ago and with that comes different issues that need new solutions. While no one has a crystal ball, there are things that we can expect to change permanently. Here are some of the things we need to prepare for in the “new normal"
USATODAY.COM
The pandemic altered financial behaviors for many. Here's what we can expect to change for good.
Sector investing may present an opportunity — if you do your homework. #investing
PLATINUMTWM.COM
The Utility of Sector Investing
Bill Folds: How many does it take before a $20 bill tears?
PLATINUMTWM.COM
Life and Death of a Twenty Dollar Bill
FINANCEINSIGHTS.NET
Do you know how much risk you're comfortable with?
Protecting you or your company from a civil claim may require an #insurance coverage you have never heard of.
PLATINUMTWM.COM
Errors and Omissions Insurance
CNN Business says home sales reached a 14-year high in 2020. More @
CNN.COM
Home sales hit 14-year high in 2020, pushing prices to record levels
If you tapped into your retirement account to weather the pandemic, you may have some tax issues to deal with come April 15. CNBC has the story @
CNBC.COM
Here are tax issues to consider if you tapped retirement account to weather 2020
The COVID-19 vaccine moves the world one step closer to getting back to normal, but masks and social distancing will still be required for a while. NPR has all the details @
NPR.ORG
Why You Should Still Wear A Mask And Avoid Crowds After Getting The COVID-19 Vaccine
Whether your 65th birthday is on the horizon or decades away, understanding the different parts of Medicare is critical. [Learn More Now]
PLATINUMTWM.COM
The A, B, C, & D of Medicare
FINANCEINSIGHTS.NET
This ONE number can determine your investment strategy...
Many businesses were kept afloat by a Paycheck Protection Program (PPP) loan, and are hoping for a second round as the pandemic continues. CNBC has the details @
CNBC.COM
These entrepreneurs want a second PPP loan. What you should know if you're applying for more money
The profit you make from the sale of your home may be tax exempt. Restrictions and limits apply. Here's why.
PLATINUMTWM.COM
Tax Rules When Selling Your Home
FINANCEINSIGHTS.NET
What's Your Personal Risk Number®?
As January came to a close, stocks were mixed as attention shifted to unprecedented activity around a handful of companies with short-interest positions.
PLATINUMTWM.COM
Monthly Market Insights | February 2021
Have a strategy for discussing healthcare with your parents. #AgingParents
PLATINUMTWM.COM
Caring for Aging Parents
With increasing wealth comes unique financial challenges.
PLATINUMTWM.COM
Investment Challenges of the Affluent Investor
The #CBO predicts a sooner than expected return to #economic normal
USATODAY.COM
Economy will return to pre-pandemic output level by mid-2021, sooner than expected, CBO predicts
How much do you know about stocks?
PLATINUMTWM.COM
How Stocks Work
Your chance of an IRS audit may not be that high. It pays to know what may trigger one. #IRSaudit
PLATINUMTWM.COM
What If You Get Audited?
will now take tougher action on any post that suggests that the #COVIDVaccine is not safe and effective.
AXIOS.COM
Facebook says it will crack down on COVID vaccine misinformation
efforts to lower the dollar amount on a possible #ThirdStimulusCheck, #Democrats successfully kept the threshold at $1,400. Under their proposal, all #Americans earning less than $75,000 would receive another check.
FASTCOMPANY.COM
Third stimulus checks update: $1,400 still on the table after GOP attempt to lower threshold defeated
The S&P 500 is ubiquitous. Ever wonder how it works? #S&P500
PLATINUMTWM.COM
The Anatomy of an Index
In most cases, the IRS recommends partners file taxes jointly. Filing together could allow you to take larger deductions and benefit from more tax credits. Find out which tax credits apply to your income.
[Cetera does not provide tax advice.]
#taxes #taxstrategy #financialtips
Where will your retirement money come from? If you're uncertain, it may be time for a strategy.
PLATINUMTWM.COM
Where Will Your Retirement Money Come From?
You need to know 8 things before you file your 2020 tax return. Read more: http://bit.ly/financialwatch-feb21
How are your tax dollars spent?
PLATINUMTWM.COM
What Do Your Taxes Pay For?
Health-care coverage (including Medicare) typically does not cover extended medical care. #Medicare
PLATINUMTWM.COM
Money that Buys Good Health is Never Ill Spent
Understanding credits and deductions is one of the critical building blocks to making the tax code work for you.
PLATINUMTWM.COM
How to Make the Tax Code Work for You
Check out the latest commentary from @CeteraIM which discusses the reasons for the most recent technology stock selloff: https://bit.ly/3dNCHH4
#economy #markets #stocks #techstocks
Do your kids have the right stuff for college? #CollegePrep
PLATINUMTWM.COM
Countdown to College
FINANCEINSIGHTS.NET
Maximize potential tax savings by taking action before April 15.
Learn more about whether you need to pay estimated taxes.
PLATINUMTWM.COM
You May Need to Make Estimated Tax Payments If…
Social Security: Retirement's main source of income or monthly bonus? You decide. #SocialSecurity
PLATINUMTWM.COM
Perception vs. Reality
Are you overpaying your #taxes? Here’s five overlooked #tax #deductions.
PLATINUMTWM.COM
Five Most Overlooked Tax Deductions
Here are eight mistakes to avoid when #saving #retirement.
PLATINUMTWM.COM
Eight Mistakes That Can Upend Your Retirement
Own a life insurance policy or annuity that is many years old? You may want to consider a trade in.
PLATINUMTWM.COM
What Is a 1035 Exchange?
You’re invited to an exclusive conversation with former Federal Reserve Chair Dr. Ben S. Bernanke, who helped guide the U.S. economy out of its worst recession of the century. His insights on how the economy can emerge and grow...
PLATINUMTWM.COM
You’re Invited: An Exclusive Conversation with Dr. Ben S. Bernanke
Never get stuck with the check again after watching this.
PLATINUMTWM.COM
No Cash, No Checks, No Problem
The tax rules that govern donating art are complex and confusing. #taxes #art
PLATINUMTWM.COM
Donating Art: Taxation Abstraction
In February, the burgeoning economic recovery and decreasing number of COVID-19 infections lifted stocks.
PLATINUMTWM.COM
Monthly Market Insights | March 2021
Some diets lighten nothing but your wallet. Here’s a few to avoid. #diets #fads #health
PLATINUMTWM.COM
Money Draining Food Myths
When was the last time you paid yourself first?
PLATINUMTWM.COM
Pay Yourself First
More than 72% of #K-12Students now attend #schools that offer in-person or hybrid learning models.
AXIOS.COM
More schools are reopening in the U.S.
#JohnsonAndJohnson CEO Alex Gorsky joins "CBS This Morning" to discuss #FDA emergency use authorization of his company's one-shot #CoronavirusVaccine, a first.
CBSNEWS.COM
Johnson & Johnson CEO on one-shot COVID-19 vaccine authorization
10 tips that can head-off marriage money problems.
PLATINUMTWM.COM
Prevent a Rift: Money Tips for Newlyweds
M0 is the total of all physical currency worldwide. What’s it look like?
PLATINUMTWM.COM
How Big is Money?
Generate income and rebuild principal. A powerful one-two punch.
PLATINUMTWM.COM
Split Annuity Strategy
These 6 things might make your next return a prime target for an IRS audit. #taxes #IRS #audit
PLATINUMTWM.COM
Red Flags for Tax Auditors
Filing your #taxes can be complex, but that’s no excuse to avoid educating yourself on the basics.
CENTSAI.COM
How Taxes Work: 4 Tax Myths Debunked | CentSai
How will you avoid these 5 common retirement planning pitfalls? Read more: http://bit.ly/financialwatch-mar21
Do you know the difference between a global mutual fund and an international mutual fund?
PLATINUMTWM.COM
Global and International Funds
Does your #insurance cover you if you get into an accident with an uninsured driver?
PLATINUMTWM.COM
Protection Against Uninsured Drivers
Wishing your day is filled with a bit of Irish luck and good fortune!
When are you taking your #SocialSecurity benefits? Considering the timing can help maximize your benefit.
PLATINUMTWM.COM
A Fruitful Retirement: Social Security Benefit
Every year since 1947, the U.S. President pens an economics textbook.
PLATINUMTWM.COM
Required Reading: The Economic Report of the President
It's hard to believe it was only a year ago that the #economy was essentially put on ice.
FORTUNE.COM
Can the stock market crash during an economic boom?
#Investors will be watching joint testimony to #Congress by #FederalReserve Chairman Jerome Powell and #TreasurySecretary Janet Yellen on Tuesday and Wednesday amid concerns over how much further the recent surge in #TreasuryYields can run.
INVESTING.COM
Top 5 Things to Watch in Markets in the Week Ahead By Investing.com
You won’t believe what these taxpayers tried to get away with. #IRS #taxes #funny #humor
PLATINUMTWM.COM
Tax Deductions You Won't Believe
Making objective choices can be tough when investing, but many savvy investors know how to keep their decisions emotion-free.
PLATINUMTWM.COM
What Smart Investors Know
More #stimulus checks as economies reopen could provide a tailwind for the Q2 #economy. But does #inflation loom? Read more from @ceteraIM's #Outlook here: https://bit.ly/3tHTVKS
#Bonds #Stocks
