| Age 65 1/2 or older by Oct. 29, 2015 (born April 30, 1950, or earlier) |
Age 62 or older in 2015 (born 1953 or earlier, or on Jan. 1, 1954) |
Under age 62 in 2015 (born Jan. 2, 1954, or later) |
||
|---|---|---|---|---|
| Currently married | File and suspend | Still available at FRA*, must file by April 29, 2016 | Not eligible | |
| Restricted application | Still availabe at FRA* if otherwise eligible for spousal benefits | Not eligible | ||
| Unmarried divorced spouse (Previously married > 10 years) |
File and suspend | Not applicable | ||
| Restricted application | Still available at FRA* as long as former spouse also > age 62 |
Not eligible | ||
| Parents with dependent/disabled | File and suspend | Still available at FRA*, must file by April 29, 2016 | Not eligible, but can still start-stop-start | |
| Surviving spouse | File and suspend or restricted application | New rules not applicable. Can still independently choose timing of when to start survivor and individual retirement benefits. | ||
| Individual | File and suspend | Must be FRA* and complete file and suspend by April 29, 2016, for future reinstatement | No future lump sum reinstatement | |
Nine-month electronic trading freeze and share lending program at the center of dismissed claim.
Meanwhile, Rossby Financial's leadership buildout rolls on with a new COO appointment as Balefire Wealth welcomes a distinguished retirement specialist to its national network.
With a smaller group of companies driving stock market performance, advisors must work more intentionally to manage concentration risks within client portfolios.
Professional athletes are often targets of scam artists and are particularly vulnerable to fraud.
The brokerage giant tells Wall Street it will use artificial intelligence to reach clients it has never been able to serve — and turn the technology's perceived threat into a competitive edge.
As technical expertise becomes increasingly commoditized, advisors who can integrate strategy, relationships, and specialized expertise into a cohesive client experience will define the next era of wealth management
Growth may get the headlines, but in my experience, longevity is earned through structure, culture, and discipline
