Richard D. Bernard

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...

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...

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...

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,...

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....

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...

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...

On May 5, 2023, Florida Senate Bill 7024 was unanimously approved by the Florida House of Representatives and Senate. It will now go to the Governor for approval, but it is almost certain to become...

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...