financial planning Archives – Wiser Wealth Management

Social Security – Don’t Rush for the Payout

When planning for clients we use social security optimization tools to help us give the best advice. Many clients initially think that taking SS at 62 or full retirement age is the best. Not necessarily. This recent article from Vanguard does a great job describing our thought process. For most Americans, Social Security is a big part of their retirement income An estimated 91% of Americans aged 65 or older receive Social Security benefits1—the average annual benefit for a retiree is about $16,000.2 For most […]
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Social Security Planning Update – A Loophole is Closed

During the financial planning process here at Wiser, we use planning software to determine the best strategy to take Social Security benefits. Social Security can be applied for and received in many different ways. A lot of clients assume that they should take it as soon as possible, but for many this option could hurt them in the long run. Assuming you did planning, a common way to take Social Security for a couple was called file and suspend. The file and suspend method worked […]
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Your Financial Future – Can You Fill in the Blanks?

I need to save ___% of my paycheck to reach my financial independence goal to make working optional at age___. My retirement nest egg needs to be built to $_____ to achieve this goal.
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Welcome to Wiser Wealth Management in Marietta, GA

This site is intended to feature the research and observations of Wiser Wealth Management, a Registered Investment Advisory Firm in Marietta, Georgia. To preface all future postings, I would like to share and express our bias towards the investment strategy of indexing and building wealth through indexing. In the future, we will post many findings that have proved this to us. But for now… 1.  Currently, the average professional money manager has proven, over the long run, to be unable to give investors returns above the […]
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