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Changing Times Alter Retirement Planning

Sally Janes could not wait to retire.

She and her husband, Ben, had been saving for retirement since their children had completed their college degrees. They decided the “magic number” was age 65, when they would qualify for 90 percent of their Social Security benefits. Combined with their respective retirement plans and savings account, the money from Social Security would permit them to live in comfort for the rest of their lives.

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A Quick Explanation of Special Needs Trusts

Were you aware that there are about 75 million people in the United States with disabilities? That’s about 25% of the population!  Did you know that 53% of disabled people are over the age of 50?  The U.S. Census Bureau has labeled disabled Americans the country’s largest minority population. Consider this story from a recent New York Times article: According to…

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