I hope that you are having a sweet Passover and that you are able to gather with family and friends to celebrate our People's escape from Egypt and to renew our commitment to freedom and human dignity everywhere.

If you've heard me speak, you know I liken retirement income to a three-legged stool held up by employer pensions, Social Security and your personal savings. One of those legs, the fixed income provided by a pension, is broken; few of us receive pensions today. To compensate for the loss of pension income, we must increase contributions to our retirement savings and make the most of Social Security. This month's issue of the Financial Pulse focuses on a strategy married couples can use to maximize their Social Security benefit. While there are many variations of the "split filing strategy," this article can help you decide if the approach can work for you.

Finally, our Spring Israel Bonds Offering is underway, but note that the Offering ends on May 9. We will send information on the interest rate of the Israel Bond soon. See our article for more details on how you can participate.

As always, please contact us to discuss specific financial questions via email or call us at 888-JRB-FREE (572-3733).