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Michael Tove, Ph.D., CEP, RFC, founder and president of AIN Services, seeks to provide everyday people with the same level of planning as are enjoyed by the affluent. As a licensed insurance agent and Investment Adviser Representative (with CoreCap Investment Advisers Inc.), Dr. Tove is a Certified Estate Planner, Registered Financial Consultant and member of the Independent Excellence Group, an elite think tank devoted to remaining on the cutting edge of financial planning technology. He is a frequent author of articles in the financial literature, author of two books and co-host of the nationally distributed TV program Money Secrets With Bill and Mike.
Who wouldn’t love a stream of guaranteed income in retirement? No one, of course. But many retirees are ruling out a prime source, fixed annuities, based on bad information.
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Many people take Social Security early and put off tapping into their IRAs and 401(k)s until they must. But that's the opposite of what most should do, because waiting until 70 to take benefits can pay off in more ways than one.