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In the media
WPTV-TV
Inflation Causing Some to Cut Back on Retirement Savings
watch us on retirement this week with mark edward gaffney!
WPTV-TV
Recovering from a Holiday Financial Hangover










recieve a complimentary copy of my new book!
your retirement checklist
Most couples have seldom talked about retirement and most single people haven’t even thought about it. They each may have fantasized in their own minds when that day may be. However, they’ve spent more time planning their last vacation than they did talking about the day they plan to retire, which could easily be a 30-year plan or more, not just a 7-day vacation.
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U.S. NEWS & WORLD REPORT
How to Handle Social Security Customer Service Problems
Know your options for getting issues related to your Social Security checks resolved.
Barron's
Make Estimated Quarterly Tax Payments on Roth Conversions. Or Penalties Will Bite.
GOBANKINGRATES.COM
6 Ways Your Lack of Financial Savvy Hurts Your Wallet
There’s no way to plan for the future.
Bankrate.com
How to Apply for Social Security
Millions of baby boomers are primed to retire in the coming decade, and some of the biggest decisions they’ll need to make are how and when to apply for Social Security.
barron's
Yes, Roths Are Tax-Free Retirement Accounts. But TFRAs Refer to Something Else.
I’ve been hearing a lot about tax-free retirement accounts and how they’re better than a traditional 401(k). What is a TFRA, and is it really better than a 401(k)?
GOBANKINGRATES.COM
How Claiming Social Security Early Will Affect Spousal Benefits
Even if you never worked a day, you could be eligible for Social Security benefits based on the earnings of your husband or wife.
moneygeek
Navigating Life Insurance for Estate Planning
Life insurance protects your loved ones against financial expenses when you pass away.
MoneyGeek
Older Adults' Guide to Income Streams and Money Management in Retirement
If you’re heading into retirement, the last thing you want to worry about is how you’ll continue to make money.
U.S. News & World Report
What Happens If Your Work While Receiving Social Security?
Understand how money earned from a retirement job could impact how much you get from Social Security.
USA TOday
Yearning to Travel in 2022? First Figure Out Your Budget - Then Pick a Destination
Can you afford to travel this year?
aarp
7 Ways for Singles to Secure Retirement Finances
Your needs are unique if you are divorced, widowed or never married.
Cheapism
12 Reasons You Should Have a Will Sooner Than You Think
The COVID-19 pandemic has created tremendous uncertainty about the future for millions Americans.
Forbes
5 Reasons It Makes Sense to Claim Social Security As Late As Possible (Age 70)
Long before the Clash sang “should I say or should I go,” Social Security recipients have asked, “Should I Claim or Should I Wait?”
Forbes
5 Reasons It Makes Sense to Claim Social Security As Early As Possible (Age 62)
Social Security has always been a uniquely American Rorschach Test.
GoBankingRates.com
The Best Ways to Use Social Security Money If It's Discretionary Income
Millions of retirees are living out their days on shoestring budgets that barely cover the basics.
fiduciarynews.com
5 Lessons to Help Convince Those Who Could Afford It To Defer Claiming Social Security
There are often clear advantages for someone to wait before claiming Social Security but the temptation of “getting the money now” trumps those advantages.
Legalzoom
How to Protect Your Assets from Nursing Home Costs
If you’re concerned about how to protect your assets from nursing home costs, you’re at an advantage if you can plan at least five years out.
U.S. News & WOrld Report
Will Social Security Cover All Your Expenses?
Look at your budget and estimated benefit to determine what Social Security will cover in retirement.
Home.com
Life Insurance for Homeowners: Why You Need It and How to Find the Right Plan
Buying a home can be expensive.
gobankingrates
Family Trusts vs. Wills: What Are the Differences Between These Estate-Planning Options?
No one relishes the thought of the day they pass away and leave their worldly possessions behind.
Nextadvisor
A Home Equity Loan for Debt Consolidation: Comparing the Pros, Cons and Alternatives
Interest rates are low right now, so if you own a home, you could benefit from new, favorable loan terms. Refinancing a mortgage over 30 years can allow you to spread the loan balance over 30 years versus 10 years as with a home equity loan, says Chuck Czajka, founder of financial consulting firm Macro Money Concepts in Florida.
U.S. News & World Report
Getting a Credit Limit Increase with a Credit One Bank Card
“Getting a credit limit increase will not hurt your credit score,” says Chuck Czajka, founder of Macro Money Concepts in Stuart, Florida.”
Medium's authority Magazine
5 Things Every CEO Should Know About Navigating The World of Finance with Chuck Czajka
“Education – enough is not enough. Continuing to learn is a mainstay of this business. Every day new ideas and products are created to help people succeed…”
Medicare Plans
Avoid and Report Medicare Fraud and Abuse
“Sometimes, healthcare workers, doctors, or even patients, commit Medicare fraud without knowing it,” Czajka says.
U.S. News & World Report
12 Steps to Achieve Financial Freedom
“You’ll never get ahead if you’re always putting the cart before the horse,” says Charles Czajka, CEO of Macro Money Concepts in Stuart, Florida
GOBANKINGRATES
10 Bad Money Habits You Learned From Your Parents and Need To Break Now
“It’s better to pay off debt first, then save for retirement.”
gobankingrates
Popular Money Rules You Should Stop Following
“While saving for retirement is a must, COVID has shown that this traditional thinking and saving through a 401(k) might not be the best solution.”
U.s. news & world report
The Minimum Mortgage Qualifications for 2021
“The process will take longer because lenders are becoming more picky about who they lend to.”
cheapism
12 Reasons You Should Have a Will Sooner Than You Think
“Creating a will helps to keep things organized so your family members can grieve easier knowing they are following your wishes.”
U.s. news & world report
How to Manage Holiday Spending in Retirement
“The last thing you want to do is spend 2021 paying off 2020’s holiday season.”
BEST COMPANY
7 Questions to Ask Before Buying Disability Insurance
“if your employer deducts the premium, your disability could be taxable to you…”
Money geek
Maximize Your Military Retirement and Benefits
“Prepare for civilian life. Build a financial team to educate you on what you need to know regarding your finances…”
U.S. News & world Report
What to Consider Before Getting a Reverse Mortgage in Retirement
“In most cases, the loan is only paid back when the borrower leaves the home,” says Chuck Czajka…
Bankrate
Should you accept an early retirement offer?
“If you retire before you get to retirement age, your benefits might be less when you get to Social Security retirement age,” says Czajka.
The Washington Post
How to Set (and Stick to) a Vacation Budget
“While that may be hard in the beginning, like a diet, you have to try to get as close as possible to this goal,” he says…
retire ahead
Hardship Withdrawals
Late last year, the Internal Revenue Service and U.S. Treasury loosened rules regarding hardship withdrawals from 401(k) plans, making it easier to pull money from retirement savings…
the penny hoarder
Lean Into Budgeting to Make Your Money Last in Retirement
You’ve spent decades in the workforce earning a living, your schedule dictated by the demands of the job. All the while, you’ve been steadily adding to your savings…
Bankrate
How to Become a Homeowner in 2020
The homeownership rate has edged up 1 percentage point in the last five years, to 64.8 percent. And there are many renters eager to join the club…
Planadviser Magazine
Retirement Savings Options for the Self-Employed
There are a number of options that retirement plan advisers can suggest to the self-employed and small business owners to help them save for retirement….
u.s. news & World report
Should Tax Reform Change How You Save for Retirement?
THE 2017 TAX CUTS AND Jobs Act was the most sweeping tax reform enacted in decades, and the 2019 SECURE Act made 401(k) changes that affect millions of workers.