Your Life. Your Needs. Your Financial Plan.

Greetings!

Hope this finds you well!

When it comes to Social Security, there’s no one-size-fits-all answer. Some people take it at 62 (Generally, this is the earliest one can collect). Others wait until 70 to maximize their benefit. And then there are special considerations if you’re divorced or widowed.

Check out this week's blog below to learn more or pass on to someone you know.

Rick Fingerman, CFP® and Lyman H. Jackson, CFP®

Independent. Fee-only. Fiduciary

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Should You Take Social Security at 62 or Wait Until 70?

Monica: “My brother-in-law told me I should start Social Security now”.

Rick: “Well, you are eligible to start Social Security now, but if you wait until your full retirement age of 67 for you—you’ll not only receive more but you also won’t run afoul of the earnings test. And, if you hold out until 70, you could get roughly 24% more than starting today.”

We Specialize In Three Areas

Retirement Planning

Whether in retirement or nearing retirement, our time tested approach will help ensure you are on track

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Women in Transition

Recently widowed or divorced, our compassionate approach will give you peace of mind and a sense of empowerment

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Paying for College

With skyrocketing costs and little time left to save, without a college plan, one's retirement could be in jeopardy

Learn More

Is Your Immune System Ready for Fall? Here’s How to Support It

Can years teaching in a classroom make you less likely to get sick? Dr. Sanjay Gupta answers a listener’s question about immunity and shares smart strategies for supporting your immune system as cold and flu season kicks off. Plus, how you can get better sleep – and more of it – this fall.

FPS Monthly Update

To help keep you abreast we will be hosting a monthly 30-minute zoom call at 4 pm EST on September 30th. On these calls we will walk through what is currently going on, answer questions you may have and have a brief discussion of Roth IRA Conversions. Click the link below to register.

Join In at 4 pm EST

Where do I start? 7 Things Every Home Seller Should Do First.

Complimentary Webinar - Wednesday, October 15th at noon EST

Thinking about selling your home but have no idea where to begin? Whether your move is a week or a year away, this webinar will help you cut through the confusion. Ed Johnston and John Lynch of Dwell360 each have over 20 years experience helping buyers and sellers. You will walk away with practical tools to make your move smoother from start to finish.

The transitions of aging: How parents and adult children can adjust

Aging can bring changes to people's bodies, minds and relationships — changes that many are often not prepared for.

What the season of fall – and science – teaches us about life and death

I was launched as one and ended up being trillions of them. The cells composing my body are amazing micro-machines; one hundred of them can fit into the period at the end of this phrase.

Perfect Little Pumpkin Cookies with Spiced Buttercream

Okay, now it’s time to ring in the fall season with a brand-new, lightly spiced, and completely addictive frosted pumpkin cookie.

Recipe

Quote of the Week

“The simple things are also the most extraordinary things, and only the wise can see them.”

-Paulo Coelho

Until next week...

Wishing you good health and happiness. If you have any ideas you would like to see in the newsletter, reply to this email and let us know — We’d love to hear from you!

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Financial Planning Solutions, LLC ("FPS") is a fee only Registered Investment Advisor ("RIA") located in the Commonwealth of Massachusetts. FPS provides asset management and related services for clients nationally. FPS will notice file and maintain all applicable licenses as required by the various states in which FPS conducts business, as applicable. FPS renders individualized responses to persons in a particular state only after complying with all regulatory requirements, or pursuant to an applicable state exemption or exclusion.

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