The Social Security Fairness Act: A Game-Changer for Surviving Spouses and Teachers
On January 5, 2025, the Social Security Fairness Act was signed into law, marking a historic shift in Social Security…
Using a Trust to Secure a Child’s Financial Future
David Cross, CPM®, CDFA®, David.Cross@us-am.com A trust is an effective tool for parents or guardians to ensure a child who lacks…
Financial Survival After Divorce
Divorce often reduces both spouses' standard of living as the same income and assets must now support two households. Most…
Pension or Lump Sum?
By David Cross, CPM®, CDFA®, CRPC® David.Cross@us-am.com If you’ve been in the workforce for some time, you may have accumulated…