---
title: News | Richard D. Bernard
description: "MBA, CFP®Financial Advisor\n
Government Pensions"
---
[ ](https://cpsinvest.com/)
[CLIENT PORTAL](https://login.orionadvisor.com/)
-
-
-
- [About](https://cpsinvest.com/#)
- [Who We Are](https://cpsinvest.com/who-we-are/)
- [Our Team](https://cpsinvest.com/our-team/)
- [Our Community](https://cpsinvest.com/our-community/)
- [Recognitions & Awards](https://cpsinvest.com/recognitions-awards/)
- [Business 401(k) Plans](https://cpsinvest.com/business-401k-plans/)
- [Services](https://cpsinvest.com/services/)
- [CPAlliance®](https://cpalliance.com/)
- [News](https://blog.cpsinvest.com/)
- [Contact](https://cpsinvest.com/contact/)
# Richard D. Bernard
**MBA, CFP®**Financial Advisor
Government Pensions
## [Obtaining an Estimate of Your Social Security Benefits](https://blog.cpsinvest.com/obtaining-an-estimate-of-your-social-security-benefits)
#### By Richard D. Bernard | **MBA, CFP®**Financial Advisor Government Pensions
November 24, 2024
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...
[Read More](https://blog.cpsinvest.com/obtaining-an-estimate-of-your-social-security-benefits)
## [The Social Security Crisis: How Did it Happen?](https://blog.cpsinvest.com/the-social-security-crisis-how-did-it-happen)
#### By Richard D. Bernard | **MBA, CFP®**Financial Advisor Government Pensions
November 23, 2024
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...
[Read More](https://blog.cpsinvest.com/the-social-security-crisis-how-did-it-happen)
## [The Social Security Crisis: The Shrinking Trust Fund](https://blog.cpsinvest.com/the-social-security-crisis-the-shrinking-trust-fund)
#### By Richard D. Bernard | **MBA, CFP®**Financial Advisor Government Pensions
November 4, 2024
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...
[Read More](https://blog.cpsinvest.com/the-social-security-crisis-the-shrinking-trust-fund)
## [The Florida Retirement System Investment Plan](https://blog.cpsinvest.com/the-frs-investment-plan)
#### By Richard D. Bernard | **MBA, CFP®**Financial Advisor Government Pensions
June 24, 2024
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,...
[Read More](https://blog.cpsinvest.com/the-frs-investment-plan)
## [The Florida Retirement System Pension Plan](https://blog.cpsinvest.com/the-frs-pension-plan)
#### By Richard D. Bernard | **MBA, CFP®**Financial Advisor Government Pensions
June 17, 2024
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....
[Read More](https://blog.cpsinvest.com/the-frs-pension-plan)
## [Let's Dive Into the Florida Retirement System](https://blog.cpsinvest.com/lets-dive-in-frs)
#### By Richard D. Bernard | **MBA, CFP®**Financial Advisor Government Pensions
June 10, 2024
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...
[Read More](https://blog.cpsinvest.com/lets-dive-in-frs)
## [Recent Changes to RMD Rules](https://blog.cpsinvest.com/recent-changes-to-rmd-rules)
#### By Richard D. Bernard | **MBA, CFP®**Financial Advisor Government Pensions
November 14, 2023
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...
[Read More](https://blog.cpsinvest.com/recent-changes-to-rmd-rules)
## [New Legislation is a Boon to Florida Retirement System Members](https://blog.cpsinvest.com/new-legislation-is-a-boon-to-florida-retirement-system-members)
#### By Richard D. Bernard | **MBA, CFP®**Financial Advisor Government Pensions
May 30, 2023
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...
[Read More](https://blog.cpsinvest.com/new-legislation-is-a-boon-to-florida-retirement-system-members)
## [Financial Wellness](https://blog.cpsinvest.com/financial-wellness)
#### By Richard D. Bernard | **MBA, CFP®**Financial Advisor Government Pensions
March 13, 2022
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...
[Read More](https://blog.cpsinvest.com/financial-wellness)
### SEARCH BY AUTHOR
- [CPS Investment Advisors](https://blog.cpsinvest.com/author/admin)
- [Anthony M. Corrao](https://blog.cpsinvest.com/author/anthony-m-corrao)
- [Derek M. Oxford](https://blog.cpsinvest.com/author/derek-m-oxford)
- [Eric J. Jackson](https://blog.cpsinvest.com/author/eric-j-jackson)
- [Michael A. Riskin](https://blog.cpsinvest.com/author/michael-a-riskin)
- [Nolen B. Bailey](https://blog.cpsinvest.com/author/nolen-b-bailey)
- [Patrick E. Gauthier](https://blog.cpsinvest.com/author/patrick-e-gauthier)
- [Richard D. Bernard](https://blog.cpsinvest.com/author/richard-d-bernard)
- [Robert M. Eckenroth](https://blog.cpsinvest.com/author/robert-m-eckenroth)
- [Ryan P. Higgins](https://blog.cpsinvest.com/author/ryan-p-higgins)
- [Sterling J. Searcy, Jr.](https://blog.cpsinvest.com/author/sterling-j-searcy-jr)
### SEARCH BY Keywords
This is a search field with an auto-suggest feature attached.
- There are no suggestions because the search field is empty.
[](https://cpsinvest.com/)
©2026 CPS Investment Advisors. All Rights Reserved.
[205 East Orange Street, Suite 310 | Lakeland FL 33801](https://goo.gl/maps/uamZJfmYafoQt38u7)
TEL [863-688-1725](tel:863-688-1725) | FAX [888-972-5548](fax:888-972-5548)
-
-
-
- [Careers](https://cpsinvest.com/careers/)
- [Privacy Policy](https://cpsinvest.com/wp-content/uploads/2023/10/PrivacyPolicy_CPSIA_WEB.pdf)
- [Terms of Use](https://cpsinvest.com/wp-content/uploads/2023/10/TermsOfUse_CPSIA_WEB.pdf)
- [Customer Relationship Summary](https://cpsinvest.com/wp-content/uploads/2023/10/Form_CRS_CPSIA_WEB.pdf)
- [Firm Brochure](https://cpsinvest.com/wp-content/uploads/2026/07/Part-2A-CPS-20260320.pdf)