The Social Security COLA: What It Is, and Why It's Not Enough

The Social Security COLA: What It Is, and Why It's Not Enough

The Social Security COLA: What It Is, and Why It's Not EnoughRic Komarek, CFP®
Published on: 17/11/2025

We all hear about the Social Security COLA, but is it a "raise"? I break down what COLA really means for your benefits and the gap you still need to plan for.

Social Security
Is Your Social Security COLA at Risk? How to “Stress Test” Your Retirement Plan

Is Your Social Security COLA at Risk? How to “Stress Test” Your Retirement Plan

Is Your Social Security COLA at Risk? How to “Stress Test” Your Retirement PlanRic Komarek, CFP®
Published on: 13/11/2025

The 2026 COLA is 2.8%, but are future benefits at risk? A potential switch to a "Chained CPI" could mean smaller adjustments. Let's talk about "stress testing" your plan for this hidden risk.

Social Security
The "Triple Squeeze" on Your Retirement: Navigating COLA, Cash, and a Longer Life

The "Triple Squeeze" on Your Retirement: Navigating COLA, Cash, and a Longer Life

The "Triple Squeeze" on Your Retirement: Navigating COLA, Cash, and a Longer LifeRic Komarek, CFP®
Published on: 27/10/2025

Your SS COLA is small, cash rates are dropping, and you're living longer. I explain why your retirement plan needs growth and income to win

RetirementSocial SecurityInvesting
62, 67, or 70—When Should You Apply for Social Security?

62, 67, or 70—When Should You Apply for Social Security?

62, 67, or 70—When Should You Apply for Social Security?Ric Komarek, CFP®
Published on: 03/04/2025

Making decisions about when to claim Social Security rests on a variety of factors. You may need your help sorting the options, so let's review some of the basics to begin exploring the choices.

RetirementSocial Security