Silver Sands

April is Financial Literacy Month, which is a perfect time to take stock (pun intended) of your retirement savings. Social Security is there to help secure your future, but savings should be the foundation of a bigger retirement plan.

Achieving financial security is an important part of enjoying a satisfying retirement. Social Security has many tools to help you plan for your future. A great first step is to visit www.socialsecurity.gov/myaccount. With amy Social Security account, you’ll get immediate access to your personal Social Security Statement, your earnings record, and an estimate of your retirement benefits at age 62, at your full retirement age, and at age 70. You can also verify your earnings are correct, since we base your future benefits on your earnings record.

Mid-April features both Ex-Spouse Day and tax day. These two observances are extra important if you are an ex-spouse, because Social Security pays benefits to eligible former spouses. And, you may need to claim this income on your tax forms. If you are age 62, unmarried, and divorced from someone entitled to Social Security retirement or disability benefits, you may be eligible to receive benefits based on his or her record.

There’s nothing like saying “goodbye” to old man winter and “hello” to budding green leaves and fresh flowers. Spring is here! One way we welcome the season is by celebrating Stress Awareness Month. Recognizing the sources of stress is the best way to understand how you can start eliminating factors in your life that put unnecessary strain on your body and mind. Did you know that stress, also called the “silent killer,” could cause heart disease and high blood pressure?

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