I didn't want to hijack the other FA thread. Last Thursday I went to a "free" talk at my local library. Subject was Social Security and how to optimize benefits by determining right time to file, etc.
I knew there would be a sales pitch at some point, but since it was at the library I felt it would be "safer." Good news was the talk, as far as it went, was not a sales pitch per se but of course they offered a free detailed analysis to be put together later.
What the heck, I completed the questionnaire and gave it to the speaker. He's a local FA, and I told him I would meet with him but I was happy with my current - Vanguard - allocations. But I do have a few genuine questions regarding when I should start collecting SS.
I'm writing this on Saturday, 1:45 PM. He has called me FOUR times already. On the first call, I told him I would call him when I was ready to fix an appointment time. Thanks to caller ID I've avoided the other 3 calls. I'm not rich, but definitely am comfortable, so I guess he's "smelling a live one." His persistence - or should I say, nagging - doesn't necessarily surprise me but I've decided to forego that individualized SS analysis.
I knew there would be a sales pitch at some point, but since it was at the library I felt it would be "safer." Good news was the talk, as far as it went, was not a sales pitch per se but of course they offered a free detailed analysis to be put together later.
What the heck, I completed the questionnaire and gave it to the speaker. He's a local FA, and I told him I would meet with him but I was happy with my current - Vanguard - allocations. But I do have a few genuine questions regarding when I should start collecting SS.
I'm writing this on Saturday, 1:45 PM. He has called me FOUR times already. On the first call, I told him I would call him when I was ready to fix an appointment time. Thanks to caller ID I've avoided the other 3 calls. I'm not rich, but definitely am comfortable, so I guess he's "smelling a live one." His persistence - or should I say, nagging - doesn't necessarily surprise me but I've decided to forego that individualized SS analysis.
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