In this past week’s budget legislation in Washington, Congress has decided to close what are perceived “loopholes” in the Social Security rules. The bottom line is, should this legislation be approved by the Senate, Congress will have killed off the various “File and Suspend” strategies to allow spousal and dependent benefits to be paid while […]

Two weeks ago, our calendars passed September 21, the official beginning of Fall (though it doesn’t seem that way with 95 degree days in Southern California).  We also know that on December 21, it will mark the official beginning of Winter.  Seasons have a huge impact on you and me. We know that seasons will […]