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Retirement Planning.

Six Changes to Social Security in 2018

April 9th, 2018

There are no radical changes to social security in 2018. There are, however, some minor amendments to the existing rules. Here are some of the changes that are taking place: Full Retirement Age Increases The full retirement age for social security benefits for Americans born before 1954 remains at 66 years while those born after […]

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5 Steps for Turning Your Retirement Savings into Retirement Income

December 6th, 2017

Turning retirement savings into disposable income is critical to people nearing retirement. We are all accustomed to building nest eggs but what we do with these savings once we retire will play a crucial role in whether or not we are able to meet our financial obligations in retirement. According to Government Accountability Office (GAO), […]

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Top 4 Reasons To Avoid Probate

November 14th, 2017

Many people have been told to avoid probate. But what exactly does that mean? And how do you keep your heirs from having to go through probate? Probate is a legal process for transferring assets to the heirs. According to LegalZoom, probate costs American families about $2 billion a year (more than $1 billion of […]

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3 Ways to Avoid Probate in the Golden State

October 30th, 2017

Setting up an estate plan ensures that your wishes are followed and that your heirs are taken care of after your passing. Save your family from hassle and unnecessary legal fees by taking steps to protect your estate. Unless you’re an attorney, there’s nothing good about probate. Briefly, probate is a legal process where the […]

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5 Common Mistakes When Naming Life Insurance Beneficiaries

October 5th, 2017

Naming who will get the insurance proceeds after you die sounds simple, but mistakes are surprisingly common. Failing to properly name beneficiaries could lead to life insurance money being paid to non-intended beneficiaries or results in a costly legal battle for your family. One thing you don’t want to do is create a problem for […]

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Social Security Filing Options: How You Can Maximize Your Benefits

August 23rd, 2017

Social Security Filing Options: How You Can Maximize Your Benefits There are many things in life that should be simple. For example, receiving what you worked for. Although it shouldn’t be, the social security filing process is complicated. In 2015 Congress made some changes to social security laws to cover some of the loopholes in […]

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Why Ken Fisher Is Wrong About Annuities

June 26th, 2017

Have you seen the ads from Fisher Investments offering a free report that explains why Ken Fisher hates annuities? For those unfamiliar with Ken Fisher, he is a well-known financial analyst. He owns his own money management firm, writes a monthly column for Forbes magazine, is the author of eleven books, and is on the […]

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Retirement Income Streams: Why you need more than one

June 26th, 2017

When investors focus solely on the accumulation of a certain amount of money—such as $1 million or $2 million—to finance their retirement plans, they ignore the importance of cash flow. Creating reliable cash flows means you won’t be at the mercy of stock market declines, and having multiple streams of income prevents you from becoming […]

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Why Annuities Are A Valuable Retirement Tool

April 7th, 2017

One of the prime principles of David Ortiz Advisors, is keeping our clients money as safe as possible. Its for this reason that many of our clients choose annuities as a part of their retirement plan. However there is more to annuities than just being a “safer” solution. Properly used and understood, annuities can be […]

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Why You Need A Living Trust

April 5th, 2017

(Living Trusts are a crucial piece of a successful estate, allowing you to have far more control over your assets than a simple will.) A revocable living trust allows you to save time and money by avoiding probate, but the benefits don’t end there. Prevent Court Challenges A contested will can derail your final wishes, […]

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