A Lesson in Not Taking the Marshmallow

In the late 1960’s, Walter Mischel, a psychologist at Stanford University, conducted a research study now commonly referred to as the Marshmallow Experiment. The study took an initial look at the development of children’s ability to delay instant gratification. The experiment while fairly simple in delivery provides valuable takeaways that are applicable to retirement planning… read more →

What You Need to Know About Divorced Spousal Benefits!

Surprisingly divorced spouses have more flexibility than married spouses in determining when and how to begin taking Social Security. In order to qualify for a divorced spousal benefit – equal to half of your ex-spouse’s full retirement amount – one must meet the following basic requirements: (1) your marriage must have lasted longer than 10.. read more →

Social Security- Interesting Facts & Numbers

Social Security continues to be scrutinized as 10,000 baby boomers retiring daily become increasingly reliant upon the “Social Insurance” program as their primary source of income.  Furthermore as the long-term sustainability of the program remains a popular topic of public debate we wanted to shed some light on fifteen interesting statistics about Social Security as.. read more →