Pension Rights Center
Loren D. Stark Company
Retirement Plan Consultants
Nicholas Pension Consultants
RTD Financial Advisors
Hochheiser Deutsch & Co, Inc.
Plumbers Local Union No. 1 Benefit Funds
Retirement Industry Trust Association (RITA)
Kentucky Trust Company
EPIC Retirement Plan Services
ERISA Services, Inc.
Farmer & Betts, Inc.
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|Valuing Social Security Benefits as an Asset on the Household Balance Sheet|
Michael Kitces in Nerd's Eye View
Apr. 8, 2015
"As a guaranteed income stream that cannot otherwise be liquidated or reinvested, most retirees don't think of their Social Security benefits as an asset.... Yet unlike most other assets, the value of Social Security is uniquely impacted by its assumptions... where unlike traditional assets, the value is actually higher when inflation rises, and is greater when interest rates are low. As a result, viewing Social Security as an asset actually reveals that it is a highly desirable asset for a retiree, uniquely capable of hedging many risks in retirement that traditional portfolios cannot... and making it all the more appealing to preserve the Social Security 'asset' for its diversification by delaying benefits as long as possible!"
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