Do you need a financial advisor? If you’re a regular listener to AgingOptions or a reader of the Blog, we imagine you know how we would answer that question. But in spite of the advice from estate planning experts, reports such as this recent article from Investopedia suggest that only around 40 percent of Americans rely on the services of a financial advisor or financial planner. Even among those 65 and older, the usage rate barely hovers at around … Read more

Remember that place you worked for three or four years back in your forties? Do you remember whether or not you ever got around to signing up for that company’s 401(k) plan with the company match? Come to think of it, after you left, you also never got around to moving whatever money had accumulated – and over time you simply forgot about it.  It may not surprise you … Read more

By now you’ve probably heard the news that your Social Security benefits are going up, effective January 1, 2026. The annual cost-of-living adjustment, referred to as the Social Security COLA, will rise by 2.8 percent, matching what most observers had predicted. Last year’s COLA was 2.5 percent.  Since the announcement on October 24th, we’ve seen … Read more