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VIEWPOINT: Integrated vs. Specialized Agencies
Navigating the two approaches to marketing Media consumption has undergone a massive shift in terms of which content (news, advertising, entertainment) is consumed on which platforms (television, social media, websites). Numerous means exist for reaching a targeted audience. Against this backdrop, marketers must remain vigilant about how to optimize their messaging for specific audiences across a […]
VIEWPOINT: 10 reasons to fit social media into your multi-platform selling strategy
Social-media platforms can be a daunting frontier for brands who are unfamiliar with how to leverage various platforms for brand awareness, customer education, and activation. Although platforms rise and fall in popularity, and their back-end tools often evolve, social-media marketing still holds the potential to meet a variety of objectives to marketers who can master
Ask Rusty: When Should My Wife Claim Social Security?
Dear Rusty: My wife was born in July 1959, and her recent Social Security (SS) benefit estimate is $3,337 at her full retirement age (FRA), or $4,397 at age 70. She presently works full time and intends to continue working until she is aged 70. She is wondering when the most financially advantageous time would
VIEWPOINT: Employment of Out-of-State Telecommuters by Manufacturers in New York State
For manufacturers located in New York State, the employment of out-of-state telecommuters can greatly expand the available talent pool. That said, there are a number of issues that need to be addressed when considering this type of employment arrangement. Registration as both an in-state and out-of-state employer Generally, wages paid by a New York employer
Ask Rusty: Will My SS Increase if I Keep Working After Applying?
Dear Rusty: I am going to be 67 in a few weeks and I plan on working for another year or two. The Social Security Administration (SSA) counts the best 35 years to come up with your Social Security (SS) benefit. I currently have 30 years, with 2024 and 2025 taxes yet to be filed.
VIEWPOINT: Emphasizing the “success” in succession planning
A succession plan will help ensure your business continues after you move on You have spent your career building a successful business. You’ve managed a shifting economy, market changes, technological innovations, changing workforce needs, and other challenges. Now, you’re thinking about the next phase of your business lifespan and your next personal steps. How do
Ask Rusty: When is the best time for me to claim Social Security?
Dear Rusty: I will be age 66 ½ in June and would like to discuss when would be the best time for me to start taking my Social Security benefits. I am still employed full time and don’t want to be penalized because of that. Please let me know what I need to do to
VIEWPOINT: AI and Long Term Care: Solving an Age-Old Challenge
Long-term care (LTC) planning has long been one of the most complex and emotionally charged areas of financial advisory services. As the aging population grows and care costs continue to escalate, advisors and clients alike face a daunting set of challenges. Traditional planning tools often rely on broad averages and generic simulations such as Monte
Ask Rusty: Can my wife and I get spousal benefits from each other?
Dear Rusty: My wife and I are currently collecting Social Security (SS). We both started receiving SS at 62 years old. That said, we get by on a tight budget. A retired friend told us about an option which allows a spouse to collect half of the other spouse’s SS monthly income. My question has
Ask Rusty: Can I Avoid Paying the Medicare Premium?
Dear Rusty: Is there any way I can get out of paying the $185 I am told will be taken out of my Social Security for Medicare Part B when I turn 65? We pay for Medicare all our working lives, and now I have to pay a monthly premium for insurance that only covers
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