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Claiming Social Security: Sooner or later?
How soon to claim Social Security benefits is essential in retirement planning. Steve Giles offers pros and cons to weigh.
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Past Articles
Moving the goal posts to full retirement
By Joel Dresang The trickier question raised by governments extending the retirement age is the non-financial quandary of when should we call it quits and begin the next phase of our lives? Semantically, it’s the difference between when can we retire and when should we. […]

Longer living afterthought to retirement
Longevity experts call for a recasting of when and how we retire. That would require rethinking – and coaching.
Retirement risk concerns out of order
By Joel Dresang It turns out we generally misplace priorities when assessing what to expect in retirement. […]
Rust in retirement can affect finances
By Joel Dresang When we retire, we leave behind more than a job, more than a desk chair indelibly contoured to our proportions, more than a cadre of 9-to-5 companions. It turns out many of us leave a bit of our minds. “Retiring is associated with increased risk of cognitive decline,” says a report from the American Psychological Association. […]
How part of portfolio can act as pension
By Joel Dresang I am part of a vanishing class of workers with so-called defined-benefit plans—company-funded accounts guaranteeing set monthly payments in retirement. There used to be more of us. My pension is from a former employer. In my age group, 1 in 10 households has a pension. That’s down from more than 6 in 10 in my father’s cohort. […]

Knowing when to tap Social Security
Social Security benefits play a bigger role in retirement timing than most people realize.