Dear Hill Investment Group Clients,

As 2015 draws to a close, we want you to know that we are grateful for our relationship with you. Our team is inspired to work for you, and we take your trust in us seriously. 2016 promises to be a year filled with improvements. We have exciting technology enhancements that will provide a true rendering of your financial life on your phone, ipad, or desktop. We have portfolio alterations that will create meaningful long-term value. And, we look forward to taking our service to a higher level of engagement. Taking the long view isn’t always exciting, but the cumulative advantages show up over time. We thank you for your discipline and patience. The best is yet to come!

With Gratitude,

The Team at Hill Investment Group

I’m excited to announce that my book is now available for pre-order on both Amazon and 800-CEO-READ. Odds On: The Making of an Evidence-Based Investor will also be for sale in more than one hundred Hudson Booksellers locations (airports) and other major retail outlets. It’s been a fun and challenging experience to make this happen, and I look forward to what lies ahead.

I’ll have a book website going live in the next few weeks, book launch parties coming in the spring, and lots more to share in the months ahead.

On November 2, 2015, Congress passed new legislation governing social security benefits. We’ll be updating our recommendations as you near your social security start date, but here’s an overview of the changes:

• FILE AND SUSPEND GOES AWAY. This advanced technique—primarily utilized by professionals and their clients—allowed you to provide benefits to your spouse while you suspend and watch your own benefits continue to grow. This feature will be eliminated except for those individuals who have already filed and suspended or those who turn 66 before 5/1/16.
• RESTRICTED APPLICATIONS GO AWAY. Previously you could withdraw spousal benefits while delaying your own until age 70. Those under age 62 as of 12/31/15 will no longer be eligible for this benefit.
• NO CHANGE – At Full Retirement Age (66-67), the spouse with lower social security benefits will still be eligible for a minimum of 50% of their spouse’s benefits.
• NO CHANGE – If you delay collecting social security after your full retirement age, your benefits still increase by 8% per year until age 70.