October 2016 RPS Home Page   |   Newsletter Home     
Social Security Claiming Ages
Almost 2.8 million Americans began receiving Social Security retirement benefits in 2014. This chart shows percentages of Social Security beneficiaries, by gender, who claimed benefits at various ages (62 up to 70).
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Balancing Medicare and Work-Based Insurance
Workers who are eligible for both Medicare and employer-based health insurance face an array of rules and other considerations regarding costs and coverage.
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Step Up to Help Reduce Taxes on Inherited Assets
Assets that have appreciated in value could be subject to substantial capital gains taxes when they are sold. But if assets are left to heirs, any gain accrued before the original owner’s death would not be taxed because of the step-up in basis.
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Do You Speak Greek? Alpha, Beta, and Investing
You may not have studied Greek in school, but understanding two terms represented by Greek letters could help you analyze investments.
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The information contained in this newsletter is not intended as tax or legal advice, and it may not be relied on for the purpose of
avoiding any federal tax penalties. You are encouraged to seek tax or legal advice from an independent professional advisor.
The content is derived from sources believed to be accurate. Neither the information presented nor any opinion expressed
constitutes a solicitation for the purchase or sale of any security. This material was written and prepared by Emerald.
Copyright 2016 Emerald Connect, LLC

THE RETIREMENT PLANNING SPECIALISTS, LLC is a Registered Investment Advisory firm specializing in retirement planning and investment management for individuals committed to a secure financial future. Our objective is to help our clients make educated and informed decisions in order to reduce taxes, increase income, and secure their financial future. If we can be of assistance to you or someone you know, please contact us at the address and phone number below:
The Retirement Planning Specialists, LLC
5460 S. Quebec Street, Suite 333 • Greenwood Village, Colorado 80111 • (303) 771-3088 • (888) 771-5406
www.RPSpecialists.com