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Obtaining an Estimate of Your Social Security Benefits

By Richard D. Bernard | MBA, CFP®Financial Advisor
Government Pensions

It’s important to know what your income will be when you retire, and for many of us, an important part of that income will be our Social Security retirement benefit. Your monthly benefit will be...
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The Social Security Crisis: How Did it Happen?

By Richard D. Bernard | MBA, CFP®Financial Advisor
Government Pensions

Most of us have heard the news about the challenges facing Social Security. Since 2010, tax and other noninterest income have not fully covered program costs, and since 2021 benefits paid have...
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The Social Security Crisis: The Shrinking Trust Fund

By Richard D. Bernard | MBA, CFP®Financial Advisor
Government Pensions

There has been much talk lately about the projections that the Social Security system may have to slash benefits in 2034 when the current $2.7 trillion Social Security Trust Fund is exhausted. This...
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The Florida Retirement System Investment Plan

By Richard D. Bernard | MBA, CFP®Financial Advisor
Government Pensions

In our previous blogs, Let's Dive Into the Florida Retirement System and The Florida Retirement System Pension Plan, we learned more about the FRS and the opportunities the Pension Plan offers. Now,...
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The Florida Retirement System Pension Plan

By Richard D. Bernard | MBA, CFP®Financial Advisor
Government Pensions

In our blog post, Let's Dive Into the Florida Retirement System, I provided an overview of the Florida Retirement System (FRS), a state-sponsored retirement plan for certain public sector employees....
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Let's Dive Into the Florida Retirement System

By Richard D. Bernard | MBA, CFP®Financial Advisor
Government Pensions

If you are one of more than 2.5 million members of the Florida Retirement System, then regardless of where you are in your career, you're on your journey to retirement. Some may be just weeks away...
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Recent Changes to RMD Rules

By Richard D. Bernard | MBA, CFP®Financial Advisor
Government Pensions

The Rules governing Required Minimum Distributions (RMDs) have been a moving target over the past several years. The SECURE Act of 2019, SECURE Act 2.0, and several related IRS decisions made...
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Financial Wellness

By Richard D. Bernard | MBA, CFP®Financial Advisor
Government Pensions

The life span of Americans has increased dramatically over the past several decades. Much of this increase is due to the shift in focus from treating conditions after they occur to preventing them...
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