SML Planning Minute

When it comes to claiming Social Security, one thing is abundantly clear: every situation is different. And that’s a big reason so many people end up confused. Listen to our podcast to learn 3 of the mistakes we see people make most often.

IRS and Social Security Phone Scams

Episode 28 - We urge you to always be cautious and not provide sensitive information such as your social security number or bank account information to unknown individuals over the phone or internet. Never reveal personal data to a stranger who calls you.

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For years the people at the Social Security Administration (SSA) have been telling us that your Social Security benefit is protected against inflation. The reasoning is that Cost of Living Adjustments (COLAs) added to the benefit will help offset future price increases. Listen to our podcast to learn why it just doesn’t work that way anymore.

Despite the amount of life insurance in your estate, it is an asset that is generally not evaluated, reviewed, or appraised on a consistent and comprehensive basis.

When someone needs long-term care, the needs of the institutionalized spouse come first, and with good reason. But what about the needs of the healthier spouse? How does that spouse fit in, and how can we help? And is Medicaid as bad as it seems?

Typical Beneficiary Designation Mistakes

Episode 21 - If you designate a beneficiary on a life insurance policy, retirement account, or brokerage account, that choice will take precedence over the instructions in your last will and testament. There can always be unintended consequences. In this podcast episode, we look at some common mistakes people make when they designate a beneficiary.

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Equity Compensation for the Closely Held Business

Episode 20 - Beyond creating financial incentives for employees, equity compensation plans can have a significant impact on attracting and retaining talent. In a Schwab survey, nearly 40 percent of respondents—including 60 percent of millennials—cited equity compensation as either the main reason or one of the main reasons they took their jobs.  For a closely held business there is a way to provide equity without diluting ownership.

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