Welcome back to the Retirement Risk show! In today's episode, we have a special guest, Alex Siler, the national sales director for Medicare Compare USA. We'll be focusing on Medicare, a topic we often discuss on the show, but now with the annual enrollment period approaching, it's the perfect time to dive deeper into it. Alex will be sharing valuable insights and information to help you navigate through the Medicare system and make the best decisions for your healthcare needs. We'll cover everything from Part A and Part B, which are the basic parts of Medicare, to Medicare Advantage and the Medicare supplement plans. We'll also discuss the importance of evaluating your prescription drug coverage during this enrollment period. So join us as we break down the complexities of Medicare and help you make informed decisions for a secure and happy retirement. Let's get started!Support the showFollow us on Instagram: @retirementriskadvisorsLike us on Facebook: Retirement Risk AdvisorsLike the show on Facebook: The Retirement Risk ShowFollow here for updates on Dave's book and so much more!

Much like Social Security, there is more to Medicare than meets the eye. And as part of the crucial groundwork to so many retirements, it is essential to understand the ins and outs of the program. In today's episode, Dave dives into the topic of Medicare risks. He explains the importance of understanding the different parts of Medicare and how they interact with each other, as well as the consequences of not signing up for the right benefits. Dave breaks down the basics of traditional Medicare, including Part A and Part B. He emphasizes the potential out-of-pocket costs and gaps in coverage that retirees need to be aware of. Additionally, he sheds light on the essential prescription drug coverage provided by Part D and the importance of finding the right insurance carrier.Key Takeaways from this Episode:Medicare risks are an important aspect of retirement planning, and it is crucial to understand the right benefits to claim and the appropriate time to sign up.Traditional Medicare consists of Part A (hospitalization insurance) and Part B (general health insurance), with Part B requiring a monthly payment.Medicare has gaps in coverage and does not cover certain expenses, such as deductibles and prescription drugs. Part D is the prescription drug side of Medicare, provided by third-party insurance companies.It is advisable to contract with a broker who can help navigate the complexities of Medicare, including comparing pricing and coverage options.Failing to sign up for Medicare at the right time can result in penalties, such as a 1% per month penalty for Part D and a 10% per year penalty for Part B.Support the showFollow us on Instagram: @retirementriskadvisorsLike us on Facebook: Retirement Risk AdvisorsLike the show on Facebook: The Retirement Risk ShowFollow here for updates on Dave's book and so much more!

In this episode, Dave Hall is joined by his partner Paul Obendorf to discuss two important retirement risks: sequence of return risk and inflation risk. They delve into the impact of sequence of return risk on retirees' portfolios, highlighting how retiring during market upswings versus downturns can drastically affect retirement experiences. But fear not, they also provide strategies to mitigate this risk! Plus, they explore the importance of generating income throughout retirement and how it can boost retirees' comfort levels. Tune in to learn how to minimize risks and make the most of your retirement years on this informative episode!Key Takeaways: Sequence of return risk is one of the most important risks to consider in retirement. It refers to the impact of market performance on your portfolio when you start taking withdrawals.Creating a separate income bucket, such as through a fixed indexed annuity, can help protect your retirement income from market downturns and eliminate sequence of return risk.Guaranteed income streams from annuities can provide a level of security and peace of mind during retirement, even if the markets fluctuate.For more information on the risks facing your retirement or how you can protect your retirement from the risks you will face, visit www.retirementriskadvisors.com. Want to learn directly from Dave what it takes to protect yourself from running out of money in retirement? Sign up for our next LIVE masterclass here! Support the showFollow us on Instagram: @retirementriskadvisorsLike us on Facebook: Retirement Risk AdvisorsLike the show on Facebook: The Retirement Risk ShowFollow here for updates on Dave's book and so much more!

In today's episode, host Dave Hall is joined by RRA expert partner Brian Britt to discuss an important topic: sequence of return risk in retirement. As they delve into this subject, they shed light on how this concept has evolved over the years and why it is becoming increasingly important in retirement planning. Dave and Brian draw from their decades of experience in the industry to analyze the impact of market downturns and share strategies to navigate this risk. Plus, they discuss the historical context of retirement planning, highlighting the shifts they have witnessed throughout their careers. So, if you want to gain valuable insights on sequence of return risk and learn how to safeguard your retirement, tune in to this informative episode of RRS.Top Key Takeaways You Will Learn:Sequence of return risk is a relatively new concept in the retirement planning industry. It wasn't widely discussed or recognized until recent years. However, it has gained significant importance and is now a crucial consideration for retirees.The impact of sequence of return risk can be significant. Market downturns, like the ones experienced in 2000 and 2008, can have a devastating effect on retirees' portfolios, forcing them to alter their retirement plans or even go back to work.Prior to the emergence of sequence of return risk, many individuals focused solely on asset management and individual stock investments. However, it is now recognized that diversification and professional asset management are crucial in mitigating the risks associated with sequence of return.Want to learn more about the risks facing your retirement? Sign up for our Masterclass! Support the showFollow us on Instagram: @retirementriskadvisorsLike us on Facebook: Retirement Risk AdvisorsLike the show on Facebook: The Retirement Risk ShowFollow here for updates on Dave's book and so much more!

In this episode of the Retirement Risk Show, Dave Hall dives into the topic of sequence of return risk. But before getting into the details, he shares some eye-opening statistics from the 2023 BlackRock Read on Retirement Report. The report highlights the challenges faced by Americans when it comes to saving for retirement, with many falling short of the recommended savings levels. Dave discusses the impact of a lack of retirement income, recession fears, high inflation, and increased market volatility on people's confidence in their retirement plans. Tune in to learn how understanding and managing sequence of return risk can help you navigate these challenges and secure your financial future in retirement.Key Takeaways: Lack of retirement income is a major concern for retirees, with only 21% feeling confident about having enough income.Recession fears should not stop individuals from planning for retirement. It is important to have strategies in place to weather economic downturns.High inflation has impacted many people's ability to save for retirement. However, the host believes that inflation will decrease in the future.Increased market volatility is a factor that affects retirement planning and should be considered when creating a strategy for sequence of return risk.Sign up for the Getting Safely Through Masterclass! Read more on the Black Rock Read on Retirement 2023 Survey hereSupport the showFollow us on Instagram: @retirementriskadvisorsLike us on Facebook: Retirement Risk AdvisorsLike the show on Facebook: The Retirement Risk ShowFollow here for updates on Dave's book and so much more!

Coming up on this episode of RRS, your host Dave dives to the realm of hospice care with guest Penny Smith, a hospice nurse and TikTok guru who has been making waves in the industry. Penny shares her journey into the world of hospice and how she has become a passionate advocate for high-quality end-of-life care. They discuss the misconceptions surrounding hospice, the role of families in the process, and the importance of planning for your own eventual death.Key Takeways: Learn what end of life care and hospice really areGain clarity on misconceptions of hospice careUnderstand the importance of having a plan for end of life care Discover what a plan for end of life care can do for you and your familySupport the showFollow us on Instagram: @retirementriskadvisorsLike us on Facebook: Retirement Risk AdvisorsLike the show on Facebook: The Retirement Risk ShowFollow here for updates on Dave's book and so much more!

Welcome to the RRS podcast, where we dive deep into the world of retirement planning and risk management. In today's episode, host Dave Hall is joined by special guest Alecia Barnette, VP of Care Planning for Financial Independence Group. Together, they explore the challenges and solutions of long-term care planning. From the two main ways to mitigate risk to the significant changes in the industry over the past 20 years, Dave and Alecia offer valuable insights into protecting your loved ones and keeping your family together. So grab a snack and a notepad, sit back, and get ready for an informative and thought-provoking discussion on long-term care with Alecia Barnette.Support the showFollow us on Instagram: @retirementriskadvisorsLike us on Facebook: Retirement Risk AdvisorsLike the show on Facebook: The Retirement Risk ShowFollow here for updates on Dave's book and so much more!

In this episode of RRS, host Dave Hall discusses the importance of organizing personal information and end-of-life planning. Joined by guest Jon Braddock, co-founder of My Life and Wishes, they dive into the challenges that arise when navigating important decisions after a loved one's passing. They explore the benefits of utilizing a secure digital platform to store documents, preferences, and wishes, making it easier for family members to access crucial information during difficult times. Tune in as Dave and John provide valuable insights and practical solutions for a smoother retirement transition and peace of mind for the future.Support the showFollow us on Instagram: @retirementriskadvisorsLike us on Facebook: Retirement Risk AdvisorsLike the show on Facebook: The Retirement Risk ShowFollow here for updates on Dave's book and so much more!

Welcome to another episode of the RRS podcast with your host, Dave Hall! In today's episode, we dive into a topic that impacts retirement: the crucial role the Federal Reserve plays in it. As our financial landscape continues to evolve, it is vital that we accept and prepare for challenges to ensure a secure future. Risk-based planning emerges as a solution to navigate these uncertainties. From restructuring investments to mitigating potential issues, we explore six ways the Federal Reserve impacts your retirement.We delve into interest rates, debt concerns, and the influence of inflation on affordability. Join us as we discuss the importance of savings, strategic buying decisions, and risk-based planning to achieve a worry-free retirement. So, grab your notepad and get ready to gain valuable insights in this informative episode!!Key Takeways: The Federal Reserve's policies have a significant impact on retirement planning, particularly through their influence on interest rates.Higher interest rates can make it more difficult to qualify for loans, increase loan payments, and impact the profitability of businesses.It is crucial to plan ahead, pay off debt, and consider risk-based planning strategies to navigate potential challenges and ensure a secure retirement.By understanding and staying informed about the Federal Reserve's actions and their implications, individuals can make more informed decisions about their finances.Support the showFollow us on Instagram: @retirementriskadvisorsLike us on Facebook: Retirement Risk AdvisorsLike the show on Facebook: The Retirement Risk ShowFollow here for updates on Dave's book and so much more!

On this episode of RRS, host Dave Hall welcomes Cameron Huddleston, author of "Mom and Dad, We Need to Talk." They dive into the importance of openly discussing finances with children to help them become more responsible with money. They discuss the significance of life insurance, estate planning documents, and powers of attorney in ensuring financial and medical decisions are made according to one's wishes. Cameron emphasizes the importance of having these documents in place while mentally competent and informing family members about their location. They also touch on the emotional aspect of ensuring family heirlooms and wishes are honored. The episode further explores the risks of not discussing money with loved ones, including increased vulnerability to fraud and financial mistakes.Key Takeaways: 1. Openly discussing finances with children can help them become more responsible with money. It's important to have conversations about financial principles and mistakes, as these discussions can lead to children being more responsible adults compared to those who have never had such conversations.2. Life insurance is important for both the breadwinner and the stay-at-home spouse/partner. Having life insurance provides financial protection and ensures that loved ones are taken care of in case of unexpected events.3. Estate planning documents such as a will or trust are crucial for determining who gets what when you die. It's important to have these documents in place while you are healthy and mentally competent. Inform your family about the location of these documents and how to access them.4. Having a financial power of attorney and healthcare power of attorney is important in case you are unable to make financial or medical decisions. These documents ensure that your wishes are followed and prevent any potential issues or conflicts.5. Discussing your final wishes, such as burial or cremation, is important at any age. Letting your family know about your wishes makes it easier for them when you pass away. It is important to honor and fulfill the wishes of loved ones, and having these conversations can relieve the burden on family members.To read more from Cameron Huddleston: visit her company blog here.For even more information on her book, visit her website here.To get the best tools and resources on the risks facing your retirement: www.retirementriskadvisors.com.Support the showFollow us on Instagram: @retirementriskadvisorsLike us on Facebook: Retirement Risk AdvisorsLike the show on Facebook: The Retirement Risk ShowFollow here for updates on Dave's book and so much more!

This week is Part 2 of "15 Reasons Why People Run Out of Money in Retirement!" On this episode of RRS, Dave Hall dives into the topic of retirement and the various risks that can affect one's financial security during this phase of life. He discusses the financial risks like inflation that can cause retirement funds to deplete faster than expected.  Moreover, he stresses the need for careful financial planning, as retirees on fixed budgets are facing increasing expenses such as rent, food, and utilities. This episode also explores the impact of unexpected expenses during retirement and emphasizes the need for individuals to preserve their retirement assets for the future. You will learn from this episode the second half of the 15 reasons! Key Takeaways: 1. Failing to consider the impact of inflation on retirement can lead to a rapid depletion of funds. Use the rule of 72 to calculate the impact and adjust your retirement plans accordingly.2. Unexpected expenses can put a strain on retirement finances. Plan for big-ticket items and prepare for unexpected costs like home repairs or medical expenses.3. Don't risk your retirement savings on risky investments or financing your children's dreams. Preserve your assets for your own future and consider other ways to support your loved ones.4. Be cautious with your spending during retirement, as expenses can add up quickly. Focus on meaningful and long-lasting gifts rather than material items that may not hold their value.5. Divorce can have a significant impact on retirement plans, including the division of assets and potential Social Security penalties. Consider the financial implications of divorce and plan accordingly to safeguard your retirement.Support the showFollow us on Instagram: @retirementriskadvisorsLike us on Facebook: Retirement Risk AdvisorsLike the show on Facebook: The Retirement Risk ShowFollow here for updates on Dave's book and so much more!

On this episode of RRS, Dave Hall discusses the reasons why people run out of money in retirement. He emphasizes the importance of having a budget item for a significant gap in health savings accounts and encourages taking action to reduce or eliminate retirement risks. Dave highlights the shift from employer-funded retirement to employee-funded retirement as one of the reasons for the retirement crisis. Also, Dave stresses the importance of planning for a longer retirement period, as life expectancy increases, and not running out of money. He discusses the impact of having children and the significance of sequence of returns during retirement. Additionally, Dave covers the importance of having enough money saved up for retirement and addresses the issue of not running out of money. Key Takeaways: Retirement planning should include budgeting for potential health expenses, such as a significant gap in health savings accounts, which can amount to around $100,000.Taking action to reduce or eliminate retirement risks is crucial to ensure financial stability in retirement. Attendees of the deep dive course on financial risks in retirement have described it as life-changing, providing solutions and new ideas.Social security benefits should be claimed at the right time, as the government underestimates life expectancy, leading to potential loss of additional money.Taxes in retirement are expected to double by 2030 and can significantly impact retirement spending. Consideration of taxes in retirement planning is essential to ensure savings and spending ability.Planning for a longer retirement period, even up to age 100, can help alleviate the fear of running out of money. Taking market fluctuations into account and not withdrawing too much each year are important factors in maintaining financial stability throughout retirement.Stay tuned for part 2!Sign up for our Masterclass: Shatter Your Retirement Risks! Support the showFollow us on Instagram: @retirementriskadvisorsLike us on Facebook: Retirement Risk AdvisorsLike the show on Facebook: The Retirement Risk ShowFollow here for updates on Dave's book and so much more!

In this episode of The Retirement Risk Show, Dave Hall and Paul Obendorf dive into the topic of fixed indexed annuities. They discuss how fixed indexed annuities have evolved over the years, offering better index options, increased income options, and the ability to convert them to Roth Annuities. They highlight the benefits of fixed indexed annuities in retirement, such as downside protection, potential for growth, and tax-free lifetime income. They also explain why fixed indexed annuities have become a popular choice for retirees, providing a balanced approach between safety and returns.Key topics covered: Importance of income diversity in retirement planning, considering the decline of pensions and the need for alternatives.Advantages of annuities as a retirement income strategy, including potential tax-free income, guaranteed lifetime income, and protection against market fluctuations.Evolution of annuity products, such as fixed indexed annuities, with improved index options, earnings potential, and income options.Drawbacks of traditional retirement planning approaches, relying solely on investments, and the need for a separate income bucket to replace previous income.Risks and considerations associated with different types of annuities, including variable annuities with higher fees and market exposure, and fixed index annuities with downside protection and potential for growth.To get more information on our new masterclass and other great tools and resources visit our website. To learn more about Dave's NEW book please visit our book page here! Here you can download a free chapter of the book and even buy your own copy if you'd like! Support the showFollow us on Instagram: @retirementriskadvisorsLike us on Facebook: Retirement Risk AdvisorsLike the show on Facebook: The Retirement Risk ShowFollow here for updates on Dave's book and so much more!

On this episode of RRS, host Dave Hall invites Brian Britt to discuss the topic of income diversity in retirement planning. They cover several issues from the history of diversification, managing risk in retirement, the importance of income diversity, to proper retirement planning for a sustainable and comfortable retirement. They also discuss principal protected products such as annuities and permanent life insurance, which is useful in mitigating stock market volatility and creating additional income streams. Key Topics Covered: Definition of lack of income diversity riskThe importance of planning for and needing various income streams in retirementMethods to increase and create new sustainable retirement income (that protect against other financial risk in retirement as well)Principal protected products such as annuities that can generate income and help mitigate riskSign up for our Shatter Your Retirement Risk Masterclass! In this masterclass training learn what will cause you to run out of money in retirement and how you can prevent it! Save your seat at www.shatterretirementrisks.com. Interested in Dave's new book? Visit www.gettingsafelythroughretirement.com to learn more or purchase your copy! Support the showFollow us on Instagram: @retirementriskadvisorsLike us on Facebook: Retirement Risk AdvisorsLike the show on Facebook: The Retirement Risk ShowFollow here for updates on Dave's book and so much more!

A great place to begin when planning for retirement is understanding your expenses and budget to make sure your income meets those needs. This is especially true when retirement is oftentimes a period where you're on a fixed income. On this episode of RRS, the Retirement Risk Show, Dave Hall stresses the importance of preparing for retirement and the potential risks that come with it. He shares insights about the ten risks that can arise during retirement, including lack of income diversity. Dave advises creating a budget and managing expenses, getting out of debt before retirement, and preparing for the transition of work-related expenses to healthcare expenses. He also recommends keeping track of fixed and variable expenses. Key Topics Covered: The need for evaluating your income needs and expensesWhy medical and health care costs should not be underestimated Strategies to generate and supplement income Learn steps you can take today to help decrease retirement expenses Dave's book is out! Get your copy on Amazon in your preferred format! For even more information on the risks facing your retirement and what you can do to reduce or even eliminate those risks, visit www.retirementriskadvisors.com. Support the showFollow us on Instagram: @retirementriskadvisorsLike us on Facebook: Retirement Risk AdvisorsLike the show on Facebook: The Retirement Risk ShowFollow here for updates on Dave's book and so much more!

What can you do about guaranteeing retirement income? In today's society retirement needs more than tax-deferred accounts and Social Security. Having this traditional setup only promotes risk exposure, especially to a lack of income diversity. More consideration needs to be given to income streams for your retirement so you aren't part of the ever-growing number of Americans who go broke in retirement. So this week Dave talks about Roth annuities as an option to reduce the challenges having a lack of income diversification!During this week's episode you will learn about: What a Roth annuity is How it adds diversification to your retirement incomeThe two ways you can set one upAnd the benefits of a Roth annuity To learn more about Roth annuities and other income diversifications strategies visit www.retirementriskadvisors.com. Visit our webpage to buy Dave's new book "Getting Safely Through Retirement: A New Retirement Planning Paradigm" and get signed up for our new Shatter Your Retirement Risks Masterclass! Support the showFollow us on Instagram: @retirementriskadvisorsLike us on Facebook: Retirement Risk AdvisorsLike the show on Facebook: The Retirement Risk ShowFollow here for updates on Dave's book and so much more!

There is a lot to consider when planning for retirement. But an overseen and costly risk is the lack of income diversity. Far too often retirees have their taxable or tax-deferred buckets too full and not enough in tax-free. On this episode of RRS, Dave discusses the top 5 tax-free sources of income for retirement. He covers how retirees will need 65-80% of their pre-retirement income to maintain their lifestyle and how they will lose deductions for children, education, and tax-deferred accounts. Listeners will learn about how to structure income tax-free by following certain laws and rules and the unexpected tax consequences of some income streams. Furthermore, he discusses the importance of guaranteed income in retirement and how to avoid paying taxes on Social Security benefits. And additionally, Dave dives into the benefits of Roth accounts, including contributions and conversions and explores tax-deferred investments, permanent life insurance, charitable contributions, and annuities as tools to consider for retirement planning. Finally, he examines how taxes are set to increase in the future and why it's beneficial to take advantage of Roth accounts now before tax increases occur.Key Topics Covered: Top five strategies to diversify retirement incomeMethods to reduce taxability in retirementBenefits of Roth accounts, fixed-indexed annuities, and permanent life insurance policiesFor more information and resources on the risks facing your retirement visit www.retirementriskdadvisors.com. To sign up for our Shatter Your Retirement Risks even, visit, www.shatterretirementrisks.com. Support the showFollow us on Instagram: @retirementriskadvisorsLike us on Facebook: Retirement Risk AdvisorsLike the show on Facebook: The Retirement Risk ShowFollow here for updates on Dave's book and so much more!

"There is no question that Social Security must be reformed to come to grips with today's reality." - Russell GloorOn this episode of the Retirement Risk Show, Dave Hall invites Russell Gloor to discuss the hot topic of Social Security. Russell shares his experience working for the nonprofit affiliate of the Association of Mature American Citizens, the AMAC Foundation, and their Social Security advisory service that fields about 8000 questions per year.  Dave and Russell discuss the myths and misunderstandings about Social Security, and how the program is being impacted by demographic and life expectancy changes. They also dive into the proposed solution from AMAC to restore Social Security's solvency without increasing taxes and the ongoing discussions in Washington, DC about the program's future.Key Topics: History of discussions about the insolvency of Social Security, the current state of the program, and possible solutionsThe advantages of delaying claiming Social Security and how it can impact lifetime benefitsOverview of the Social Security Guarantee proposal from AMAC to address the solvency issueDiscussion of myths and misunderstandings surrounding Social Security, including the idea that people won't get back what they've paid into the programImportance of understanding Social Security as a critical component of retirement planningAttend our NEW Masterclass: Shatter Your Retirement Risks! Put the worry of running out of money behind you, so you can enjoy your golden years with a peace of mind. Support the showFollow us on Instagram: @retirementriskadvisorsLike us on Facebook: Retirement Risk AdvisorsLike the show on Facebook: The Retirement Risk ShowFollow here for updates on Dave's book and so much more!

Mary Beth Franklin says, "To claim [Social Security] benefits early out of fear is like selling your stocks in a down market. The only thing you have guaranteed is you have locked in a loss."And she makes a great point when it comes to the security and safety of, not only your Social Security benefits, but your retirement as a whole.On this episode of The Retirement Risk Show, Dave Hall discusses the challenges posed by retirement and the importance of making the right decisions regarding Social Security benefits. He invites Social Security expert and CFP Mary Beth Franklin to offer insight into the system and how to maximize benefits. The discussion includes the benefits of waiting until age 70 to claim Social Security and the potential dangers of claiming too early or too late. Additionally, they explore the financial difficulties facing Social Security and potential solutions proposed by experts such as increasing taxes and capping Social Security. Key Topics Covered: - The importance of Social Security and potential changes to it- The length of interest and stability in retirement plans- Specific strategies for claiming Social Security benefits- The history and funding of Social SecurityTo learn more about Social Security, sequence of return risk, Medicare, and the other risks that you will face during retirement, visit retirementriskadvisors.com. Support the showFollow us on Instagram: @retirementriskadvisorsLike us on Facebook: Retirement Risk AdvisorsLike the show on Facebook: The Retirement Risk ShowFollow here for updates on Dave's book and so much more!

On Wednesday, August 14, 1935, Franklin D. Roosevelt signed the Social Security Act into law, the inception of the program 96% of Americans rely on today as a staple of their retirements. This week Dave brings on Nancy Altman, President of Social Security Works and a woman who has worked with Social Security reform and laws since 1978. Nancy brings her hands on experience within the program from Capitol Hill to talk with Dave about the history of the program and the solutions that can help make the program last.During this week's episode you will learn: The history of the Social Security programHow FDR's intents of the program compare to today's benefits How Social Security is an insurance versus just a government programWhat shortfalls the program has seen historically and the solutions implemented The concerns of the program today and possible long-term solutions Visit www.socialsecurityworks.org for more insight and information on the organization and their services. To learn more about Social Security, the other financials risks you will face in retirement, and how to get safely through retirement, visit www.retirementriskadvisors.com. About Our Guest: Nancy J. Altman has a forty-five year background in the areas of Social Security and private pensions. She is president of Social Security Works and chair of the Strengthen Social Security coalition.Democratic House Leader Nancy Pelosi appointed Ms. Altman to a six-year term, starting October 1, 2017, on the Social Security Advisory Board. The seven-person Board is a bipartisan, independent federal government agency established in 1994 to advise the President, Congress, and the Commissioner of Social Security.Ms. Altman is the author of The Battle for Social Security: From FDR’s Vision to Bush’s Gamble (John Wiley & Sons, 2005) and The Truth About Social Security: The Founders’ Words Refute Revisionist History, Zombie Lies, and Common Misunderstandings (Strong Arm Press, 2018). She is also co-author of Social Security Works! Why Social Security Isn’t Going Broke and How Expanding It Will Help Us All (The New Press, 2015). She has shared her Social Security expertise on numerous television and radio shows, including PBS NewsHour, MSNBC, and FOX News. She has published op-eds in dozens of newspapers including the New York Times, Wall Street Journal and USA Today.From 1983 to 1989, Ms. Altman was on the faculty of Harvard University’s Kennedy School of Government and taught courses on private pensions and Social Security at the Harvard Law School. In 1982, she was Alan Greenspan’s assistant in his position as chairman of the bipartisan commission that developed the 1983 Social Security amendments.From 1977 to 1981, she was a legislative assistant to Senator John C. Danforth (R-Mo) and advised the Senator with respect to Social Security issues. From 1974 to 1977, she was a tax lawyer with Covington & Burling, where she handled a variety of private pension matters.Ms. Altman chairs the Board of Directors of the Pension Rights Center, a nonprofit organization dedicated to the protection of beneficiary rights. She is a member of the Boards of Directors of the Alliance for Retired Americans Educational Fund, the Economic Opportunity Institute, Latinos for the Secure Retirement, and the InSupport the showFollow us on Instagram: @retirementriskadvisorsLike us on Facebook: Retirement Risk AdvisorsLike the show on Facebook: The Retirement Risk ShowFollow here for updates on Dave's book and so much more!