Thought Leadership Resource Center
Making informed decisions about when to claim Social Security benefits is crucial for couples to maximize their retirement income. The optimal claiming strategy depends on various factors, including each spouse's earned benefit, ages, and their ability to invest excess Social Security income. This case study explores three scenarios to show how and when the math changes on benefit maximization.
Read More“Good things come to those who wait.” “Time is money.” “Patience is a virtue.” All famous adages that you probably didn’t ever associate with one of the main discussion points of retirement, Social Security.
Read MoreSocial Security used to have a couple of different avenues for maximizing benefits. Strategies like restricted applications and file suspend used to allow for families to obtain additional income above what each taxpayer was entitled to on an individual basis. However, in 2015 Congress passed the “Bipartisan Budget Act of 2015” which closed these “enhanced strategies” as a way to preserve the federal government from paying out more than what actuaries had predicted… or so we thought.
Read MoreFor those thinking about relocating to a new city or state during their retirement years, there are several important factors to consider prior to making this decision.
For many, being in a warmer climate during the winter months while still maintaining proximity to family and friends is a major priority. For others, living where there is accessibility to quality health care facilities, while being able to enjoy cultural and entertainment options such as museums and concerts in a big city, or outdoor activities such as golf and walks on a beach, is important.
Read MoreDisclosures:
THIS COMMENTARY HAS BEEN PREPARED BY CLEARWATER CAPITAL PARTNERS. THE OPINIONS VOICED IN THIS MATERIAL ARE FOR GENERAL INFORMATION ONLY AND ARE NOT INTENDED TO PROVIDE OR BE CONSTRUED AS PROVIDING LEGAL, ACCOUNTING, OR SPECIFIC INVESTMENT ADVICE OR RECOMMENDATIONS FOR ANY INDIVIDUAL. ALL ECONOMIC DATA IS DERIVED FROM PUBLIC SOURCES BELIEVED TO BE RELIABLE. TO DETERMINE WHICH INVESTMENTS MAY BE APPROPRIATE FOR YOU, PLEASE CONSULT WITH US PRIOR TO INVESTING. INVESTING INVOLVES RISK WHICH MAY INCLUDE LOSS OF PRINCIPAL. This material is not intended to be relied upon as a forecast, research or investment advice, and is not a recommendation, offer or solicitation to buy or sell any securities, insurance products, or to adopt any investment strategy. The opinions expressed are as of the date of writing and may change as subsequent conditions vary. The information and opinions contained in this material are derived from proprietary and nonproprietary sources deemed by Clearwater Capital Partners to be reliable, are not necessarily all-inclusive and are not guaranteed as to accuracy. Past performance is no guarantee of future results. There is no guarantee that any forecasts made will come to pass. Reliance upon information in this material is at the sole discretion of the reader. Investment involves risks. International investing involves additional risks, including risks related to foreign currency, limited liquidity, less government regulation and the possibility of substantial volatility due to adverse political, economic or other developments. Index performance is shown for illustrative purposes only. You cannot invest directly in an index. S&P 500 is a registered trademark of Standard & Poor’s Financial Services, a division of S&P Global (“S&P”) DOW JONES, DJ, DJIA and DOW JONES INDUSTRIAL AVERAGE are registered trademarks of Dow Jones Trademark Holdings (“Dow Jones”). The two main risks related to fixed-income investing are interest rate risk and credit risk. Typically, when interest rates rise, there is a corresponding decline in the market value of bonds. Credit risk refers to the possibility that the issuer of the bond will not be able to make principal and interest payments.
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