SIS Financial Group

SIS Financial Group

Can You Reduce Your Lifetime Health Care Costs by Staying Healthy?

An apple a day keeps the doctor away – and spares you the bill for medical services. Does this logic carry over into lifetime health care planning? Can you reduce your lifetime health care costs by staying healthy? Apparently not. The Center for Retirement Research at Boston College has revealed the counterintuitive finding that married …

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10 Ways to Protect a Small Business From Hackers

As a small business owner you have a lot on your plate, but you need to start educating yourself on another issue threatening businesses. Identity thieves have branched out. They’re not just after individuals anymore—businesses are the new target for hackers and fraudsters. With their deep credit lines, multiple users, and many financial transactions, businesses …

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WEP and GPO

Two big areas of confusion surrounding Social Security benefits are the Windfall Elimination Provision (WEP) and the Government Pension Offset (GPO). Although they are often spoken in the same breath, they are really quite different. The only thing they have in common is that they affect people who worked in jobs not covered by Social …

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5 Things You Can Do With an IRA That You Can’t With a 401(k)

IRA or 401(k)? Know the key differences between these two popular retirement plans to ensure you are saving in the right account. Indvidual retirement accounts (IRAs) and 401(k) s share a lot of similarities. They are both retirement plans. They both can help you lower your tax bill today, provide taxdeferred growth, and help provide …

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Do You Need to Sign Up for Medicare at 65 if You’re Still Working?

For the past four decades, age 65 marked the time when you would leave your job, start your pension, file for Social Security, and enroll in Medicare. Not anymore. Since then, the retirement landscape has changed. Full retirement age for Social Security is 66 or 67. The traditional corporate pension has given way to the …

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