• Email Us Here
  • Call 973-256-2555 in NJ
  • Call 508-663-4878 in MA

Locker Financial Services

We simplify the complicated

  • HOME
  • ABOUT
    • MEET LAUREN LOCKER
    • MEET ANDREW CHAN
    • OUR SERVICE TEAM
  • CLIENT SERVICES
    • FEE-ONLY FINANCIAL PLANNING – FULLY FIDUCIARY
    • ASSET MANAGEMENT AND INVESTMENT ADVISORY SERVICES
    • SPEAKING AVAILABILITY
  • TOOLS
    • LOG INTO SHAREFILE
    • LOG INTO YOUR CLIENT PORTAL
    • CLIENT QUESTIONNAIRE
    • SPENDING PLAN
    • CHECKLIST OF DOCUMENTS
    • Retirement Plan Contribution Limits and Tax Deadlines
  • ELDERLIFE
  • PRESS
  • BLOG
  • CONTACT US

March 1, 2021

Yes, Unemployment Benefits Are Taxable

Two emergency relief bills passed in 2020 in response to the COVID-19 pandemic will make this an unusual tax season for many taxpayers. The Coronavirus Aid, Relief, and Economic Security (CARES) Act was passed in March, and a second relief package was attached to the Consolidated Appropriations Act, 2021, in December. The federal government relied […]

Topics: / Budgeting, Cash Flow, Financial Planning, Taxes, Unemployment / budgeting, Cash Flow, Financial Planning, Taxable Income, Taxes, Unemployment Income

February 23, 2021

Student Loan Relief Extended Through September 30, 2021

The Coronavirus Aid, Relief, and Economic Security (CARES) Act suspended federal student loan payments and involuntary collections such as garnishments in 2020. In addition, interest rates on federal student loans were reduced to 0%. These provisions expired on December 31, 2020. On January 21, 2021, President Biden, extended these provisions through September 30, 2021.  Borrowers […]

Topics: / Debts, Financial Planning, Student Loans / College, College Graduation, Debts, Financial Planning, Student Loans

November 9, 2015

Ch-ch-ch-ch-changes

Changes are afoot on the Social Security and Medicare fronts for 2016. Both programs are implementing measures that will have an impact on anyone who is currently retired or those making retirement plans over the next few years. Let’s look at Medicare first. Medicare Part B, which covers services like outpatient doctor visits and preventative […]

Topics: / Blog, ELDERLIFE Blog, Financial Planning, Medicare, Retirement, Social Security / COLA, file and suspend, hold harmless, Medicare Part B, Social Security, spousal benefits

December 17, 2014

Making a List, Checking It Twice

As the year begins to wind down, it’s common to spend some time reflecting upon key events of the last twelve months. We think about the good and the bad and all the stuff in between and we look forward, with some combination of anticipation and trepidation, to starting again with a whole new set […]

Topics: / Advance Directives, Blog, ELDERLIFE Blog, Estate Planning, Financial Planning, Power of Attorney / end-of-year updates, financial housekeeping, important papers, resolutions

August 27, 2014

A Crucial Decade

My 60th birthday is rapidly approaching. Yikes! On most every day, I feel much younger than my mental image of a 60-year-old, but the calendar tells the truth. My birth year of 1954 places me squarely in the middle of the Baby Boomer generation, defined as those born between 1945 and 1964. That placement resulted […]

Topics: / Baby Boomers, Blog, ELDERLIFE Blog, Financial Planning, Positve Aging, Retirement / Baby Boomers, Financial Planning, Medicare, positive aging, retirement decisions, retirement lifestyle, Social Security

August 7, 2014

Half Empty or Half Full?

Is the average Baby Boomer retiree’s glass half empty or half full? After several years of nothing but gloom and doom scenarios and projections for boomer retirees, there is finally some good news to report…maybe. A  recent survey conducted by Baltimore-based investment management firm T. Rowe Price concluded that many newly-minted retirees are finding that […]

Topics: / Baby Boomers, Blog, ELDERLIFE Blog, Financial Planning, Positve Aging, Retirement / Baby Boomers, Financial Planning, positive aging, retiree satisfaction, retirement income, retirement lifestyle

July 8, 2014

To Claim or Not To Claim

To claim or not to claim – that is the question. Is it better to postpone collecting your Social Security benefits until you are 66 or possibly 70, or is it better to take the money and run at age 62, the earliest possible moment it is offered? Certainly, popular opinion seems to favor the […]

Topics: / Baby Boomers, Blog, ELDERLIFE Blog, Financial Planning, Retirement, Social Security / Financial Planning, retirement decisions, retirement lifestyle, Social Security

May 12, 2014

The Cost of Caring

You know that bumper sticker that reads, “Be nice to your kids – they’ll choose your nursing home”? Well, if seeing it makes you uncomfortable, join the club. First, consider the folks, like me, who have no children. Who will help us when we need care in our elder years? Then, consider the vast majority […]

Topics: / Blog, ELDERLIFE Blog, Financial Planning, Long Term Care / eldercare costs, infographic, long term care

  • Fine Print / Legal Disclosures
  • Privacy Notice
  • Form CRS – Client Relationship Summary

copyright © 2023 · Locker Financial Services, LLC