On January 20, 2017, Donald J. Trump will be sworn in as the 45th president of the United States. Between now and then, attention should largely focus on efforts to facilitate an orderly transfer of power, but there will be no shortage of conjecture over what may happen after the inauguration. While changes are likely,…

Why would people choose to claim Social Security retirement benefits at the earliest possible age of 62, rather than waiting until their full retirement age (66 to 67 for anyone born in 1943 or later), when doing so would reduce their monthly benefit by as much as 30%? There are many reasons, according to a…

If you are a member of the Baby Boomer generation and will soon reach traditional retirement age, you are probably wondering when would be the best time to apply for Social Security benefits.  This short presentation provides an overview of points to consider when making this important decision.    Social Security: When Should You Start…

Happy New Year! It’s time to take action on all those resolutions and therefore, I’m pleased to present the first issue of the LuminaFi Report. The aim of the LuminaFi Report is to provide you valuable information to help you manage your personal finances. I welcome your suggestions and feedback on making this report more…

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