Top Resources for Seniors

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As seniors approach retirement they will need to make important decisions about when and how to collect their Social Security benefits. At 70 ½, they will have to take a Required Minimum Distribution (RMD) from their tax-deferred accounts, like IRAs or 401(k)s. Missing deadlines can carry hefty penalties and making the wrong choice can potentially mean a lot less income in retirement.

Worry no more. Our easy-to-use guides walk you through the information you need to know to optimize your Social Security benefits and take your RMDs.

A Look Inside:

  • Did you know that if you file for early retirement, your benefits will be permanently reduced by about 30%?
  • Or that if you’re married, you can file on your spouse’s record instead of our own?
  • Our guide will help you to understand all of your filing options.




A Look Inside:

  • Did you know that starting at age 70 1/2, you may have to take an RMD from your tax-deferred IRAs or 401(k)s?
  • Our guide includes a handy table and instructions on how to calculate your RMD.
  • We let you know when to take your RMD, how to take your RMD, how much you’ll need to take, and more.




By Jessica Ness, CFP, Client Advisor and Director of Financial Planning