Category: Insights

Is Your Social Security Check Right?
January 8, 2026 0

Is Your Social Security Check Right?

By The Admiral Staff

To ensure your Social Security check is correct, understand that it’s based on your work history (specifically your 35 highest-earning years), age when you start claiming, and potential penalties for claiming early. You can verify your benefit amount and manage your account by creating a “my Social Security” account at SSA.gov, using the online benefits calculator, or contacting the Social Security Administration at 800-772-1213. The article also briefly introduces

Is Your Financial Advisor Stealing From You?
December 30, 2025 0

Is Your Financial Advisor Stealing From You?

By The Admiral Staff

The article warns that anyone, even wealthy individuals, can be taken advantage of by financial advisors. It highlights several red flags to watch for, including unclear or evasive fee explanations, resistance to negotiating fees, difficulty getting straight answers, negative online reviews or legal history, feeling pressured into investments, and advisors who discourage oversight. The piece emphasizes the importance of regularly reviewing account records and trusting your instincts to protect your financial well-being.

Finally, a Financial App That Gets You.
December 5, 2025 Off

Finally, a Financial App That Gets You.

By The Admiral Staff

Albert is an all-in-one financial app combining banking, savings, investing, and budgeting, aiming to simplify personal finance. Key features include “Instant” cash advances (up to $250 with no interest), FDIC-insured banking with early direct deposit, automated savings, and a standout “Genius” service offering financial advice from human experts via text or Zoom for as little as $8/month. Users can also invest with commission-free options and receive budgeting alerts. With over

Raising Financially Savvy Kids: A Guide to Debt-Free Living
December 1, 2025 Off

Raising Financially Savvy Kids: A Guide to Debt-Free Living

By The Admiral Staff

The article emphasizes the importance of teaching children about debt and financial literacy to prevent future financial struggles. A survey found those without early financial education are significantly more likely to have no savings. Rather than lecturing, experts suggest using relatable, concrete examples—like calculating how many work shifts are needed to afford a desired item—to make lessons engaging. The article outlines four key lessons: budgeting (spending less than you earn), understanding interest (including compound interest), the importance of credit scores (potentially building credit as an

Navigating Unexpected Retirement: Steps to Financial Security
November 15, 2025 Off

Navigating Unexpected Retirement: Steps to Financial Security

By The Admiral Staff

The article outlines ten steps to take when retirement happens unexpectedly due to job loss, health issues, or other unforeseen circumstances. Key steps include securing affordable health coverage (potentially through COBRA or the ACA marketplace), applying for unemployment benefits, creating a detailed budget, reviewing investment portfolios with a professional, and strategically deciding when to access retirement accounts and Social Security. Additional advice includes exploring part-time work, communicating financial changes to family, considering downsizing, and finding fulfilling activities to fill the time and budget accordingly.