Conscientious Financial Planning and Retirement Income Management | 201-741-9528
from Lonier Financial Advisory LLC, Osprey, FL

Monthly Archives: October 2012

Taking Your Lumps

Pensions buyouts and transfers are in the news (again). Corporate America is restructuring its growing underfunded pension commitments. Ford, GM, NCR, The New York Times, Visteon, Archer Daniels Midland, Thomson Reuters, Equifax, A.H. Belo, and Yum! Brands have all made buyout offers to tens of thousands of current and former employees vested in company pension […]

Comparing the Costs of Buying Retirement Income

In part one of this series on Social Security benefits (“Your Social Security Benefit Strategy”) I said that your Social Security benefit is the bedrock of your retirement income floor, and that by deferring claiming your benefit you can add substantially to your benefit amount—up to 75% by delaying until age 70. Let’s look closely at […]

Your Social Security Benefit Strategy

I’ve written here (“Is 70 The New Retirement Age?”) about the value of deferring your Social Security benefit—as the result of working beyond your early retirement age (62) or your full retirement age (FRA), which is now 66 for those reaching that milestone today. I recently heard Bill Meyer of Social Security Solutions Inc. speak […]