Hey there, James Mayer, Sunday night Thoughts.

Here’s a scenario that popped up a couple times this week.

When working with clients I had, two situations on our team where people were worried that they are going to make too much money in retirement. Now that sounds strange especially when the first comment out of a client was, “That bump we got in Social Security is going to screw up our plan.” Now that I thought was fascinating. What they’re concerned about is showing to much income for their affordable care act premiums.  That was one situation. Another situation is where a client is getting a subsidy for medication they are taking because we were able to keep their taxable income low. Now we normally wouldn’t think of this as a challenge, but when you are doing real retirement planning these topics come up and you have to find a strategy that will work for these clients. So quick thought. Hopefully you all have a great summer.