Michael J. Schussele, C.P.A.

M.A., Registered Investment Advisor, Fee-Only

My professional publications and blogs at The Pursuit of Financial Happiness ™ have been recognized, linked, and republished by Economist's View, naked capitalism,
Credit Writedowns, and Advisor Perspectives, among others, as well as academically cited.
I do my own macroeconomic and financial research and I do not portray third party information as my own.

Under Illinois Law ((215 ILCS 5/500-15)) it is a Class 4 Felony to give insurance advice/analysis without an insurance license whether one sells or not. An Investment Advisor Representative, whether fee-only or not, has a direct fiduciary duty to provide such an analysis and/or advice in retirement, financial, and estate planning and such advice is not incidental. Beware if any “fee-only” advisor tells you otherwise. You should report them to the Illinois Department of Insurance, the appropriate State's Attorney, and the Illinois Attorney General.

Michael's Free Publications

When Should I Take Social Security
The above publication is no longer available. because it covered cutting edge academic research which was so powerful that the law was changed. The timing of when to take Social Security is dependent on multiple variables: single or married; who is highest wage earner; is spouse also high wage earner; age of election; spouse's age; health; income needs. All of these decisions could also effect surviving spouse elections and amounts. While delay until 70 for the high income spouse is usually advisable, you need to discuss the variables with a fiduciary advisor. Website calculators cannot be relied upon for a true variable assessment.
You can also buy the Kotlikoff revised edition for some guidelines:
Get Whats Yours Revised & Updated The Secrets to Maxing Out Your Social Security
by Laurence J Kotlikoff, Philip Moeller, Paul Solman
Hardcover
Powells.com
Evaluating Long Term Care Needs and Policies
Long-Term Care policies are efficient for only a few people who have a known illness (if they can get a policy or afford over time) or good health with a family history and are expensive.
Disciplined Rules for Buying and Selling Stocks
Evaluating Mutual Fund Investment Risk
Evaluating Mutual Fund Index Investments
Retirement Income Shortfall
Business Continuation
Estate Planning Checklist
Checklist: The Executor's Role

For professional articles, including macroeconomic considerations, visit my Blog:

The Pursuit of Financial Happiness ™

The Pursuit of Financial Happiness is a Registered Trade Mark.

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