Entries by Justin D. Rucci, CFP®

Claiming Social Security: What’s a Break-Even?

When should you start Social Security benefits—at 62 for smaller checks now, or 70 for larger checks later? This blog explains the crucial concept of the “break-even” age: the point where delaying your claim results in a greater total lifetime benefit. We illustrate the trade-offs between claiming at 62, 67, and 70, showing how your estimated life expectancy (with break-evens ranging from 78 to 82) is the key factor in this complex financial decision.

Your 2024 Year-End Planning Guide

As the year wraps up, it’s the perfect time to review your finances, maximize savings, and plan for a strong start to 2025. This guide covers everything from new retirement account rules and tax-smart charitable giving strategies to key deadlines and ways to put your savings to work. Don’t wait—take these actionable steps now to set yourself up for financial success in the new year.