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Welcome to Malarik Financial Services
Malarik Financial Services works with a select group of individuals and families near or in retirement.
We seek to develop long-term relationships with our clients. We do this by providing advanced and cost-effective financial planning using unbiased financial strategies.
We are home of the Life by Design Formula™. This system helps us understand your lifestyle and financial goals, organizes your current investments and develops a plan to help you meet your goals. The process and playbook will help you deal with any circumstance that you face from the time we meet throughout the rest of your life.
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Chances are you could live well into your 80s and 90s, or longer. A long life greatly increases the likelihood you’ll require long-term health care.
Life can change – the birth of a child, the death of a loved one, the loss of a job, a major purchase – which will readjust your customized strategy.
5 Facts on Social Security Planning
Social Security can be a tremendous asset to help secure your retirement, but you have to know the facts in order to enjoy the full benefits.
Social Security is not a retirement plan. Social Security was designed to supplement your retirement.
Your retirement benefits will not automatically begin arriving at full retirement age. You have to APPLY for Social Security when you reach your full retirement age.
The Social Security Administration can review your application, but they CANNOT make recommendations based on your individual financial situation. 10,000 people turn 65 every day. The Social Security Administration does not have the resources to review your application beyond the essentials. Optimizing your benefits requires personal knowledge and hours of planning.
If you make a mistake on your application you only have one opportunity to correct it. From the day you receive your first benefit payment, you have exactly one year to amend your filing status or make any changes.
There isn’t a universal “best age” when it comes to collecting your benefits. It’s a personal decision that should be made based on your entire financial situation.
The basic question is, should you start your benefit early, at 62, at a REDUCED amount, or start it later at a higher level? If you wait, your monthly check will keep rising by 6 to 8 percent every year until you reach age 70. Social Security is the only guaranteed, lifetime source of income that is adjusted for inflation, so maximizing your benefit is in your best interest