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1
What is Margin?
2
New Fiduciary Rules for Handling Retirement Investments
3
Last Call for Social Security Benefits File-And-Suspend – April 29 2016
4
5 Key Things To Do Before You Retire!
5
Prepare your marriage for retirement

What is Margin?

What is Margin?

When opening an account at Schwab, the first option on the account open form is whether you want a “Schwab One” account, their name for a standard brokerage account, or a “Schwab One with Margin” account. Margin is an optional feature that can be added to Schwab brokerage accounts.

If you have margin on your brokerage account, it means you have the option of borrowing money from your brokerage firm and using the value of your investments as collateral. This loan can be used to purchase more securities or be withdrawn from the account to meet other financial obligations.

Margin …

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New Fiduciary Rules for Handling Retirement Investments

The Labor Department proposed new fiduciary rules for professionals handling retirement investments last year and these standards will go into effect next year despite many questions and pushback from some in the industry.

The New York Times notes that the new rules are designed to help those who assume that “the individuals and firms investing their money are operating under the same sort of ethical and legal standards as a family doctor — someone who is obliged to provide the very best advice.” Some consumers have been unaware that certain investment brokers were recommending financial products that provided the broker …

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Last Call for Social Security Benefits File-And-Suspend – April 29 2016

Last fall, the Bipartisan Budget Act of 2015 changed the rules to eliminate two popular Social Security claiming strategies for married couples: File-and-Suspend, and Restricted Application.

Who should be considering this?

Anyone who has at least met the full retirement age of 66, and is not yet age 70, should be considering whether to submit a file-and-suspend request by April 29.  If you or someone you know is within this age range, please share this article and be aware that you/they have a very short window to meet the deadline. Anyone who wants to be “grandfathered” under the old (current, …

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5 Key Things To Do Before You Retire!

You think it is getting close to pulling the plug on the 9 to 5 job that you have had for longer then you care to think about. You should be bit nervous about not having that regular pay check, the health care benefits and paid vacation. With no paycheck and often little chance of going back to work, you …

The post 5 Key Things To Do Before You Retire! appeared first on Chamberlain Financial Planning & Wealth Management.…

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Prepare your marriage for retirement

Retirement can spark both stress and disagreement in an otherwise contended marriage. After years of happy, healthy wedded bliss, sometimes one or both spouses are surprised to find themselves unhappy once retirement comes or when discord enters the marriage.

Negotiation and compromise are key elements in a successful marriage—long-time spouses already know this and practice both well. Entering retirement doesn’t change this. It’s hard for two spouses to enjoy their later years if each wants to sail in their own direction.

Marital stress in retirement can be linked to two primary sources: one, difference in timing on when each spouse …

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