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Many people want to know when they should apply for Social Security (assuming it still exists when you need it). One of the reasons people ask this question is because the benefit paid is higher if you wait until after your full retirement age, but lower if you apply before your full retirement age. A […]

The Social Security Fairness Act was signed into law on January 5, 2025. Prior to passage of this new law, the Windfall Elimination Provision and Government Pension Offset rules reduced benefits for certain individuals who received both Social Security and a pension based on work that was not covered by Social Security. A non-covered pension is […]

If you follow Women’s College Basketball, then you must have heard of Pat Summitt. Coach Summit was a legend in NCAA women’s basketball prior to leaving the game due to early-onset Alzheimer’s disease. Now, there is a rumored new documentary on Netflix that recounts her journey from player to becoming a legend at the University […]

If you are looking for assistance understanding Elder Law, a Certified Elder Law Attorney can help. Before you can sit for the exam, which (last time we checked) has a forty percent pass rate, Certified Elder Law Attorneys (CELAs) must meet the following criteria: Licensed Attorney: You must be a licensed attorney and an active […]

On October 10, 2024, the Social Security Administration announced that Americans will increase a 2.5 percent cost of living increase in 2025. A fact sheet linked to the preset release shows that the monthly SSI rate for an individual will increase from $943 to $967. This COLA means the following (estimates) should apply beginning January […]

Many people think that estate planning is just having documents prepared. They have a lawyer prepare a Will, get it signed and they’re done. As Lee Corso says on Game Day, “Not so fast!” The hardest part of stepping into someone else’s shoes, whether its as an agent under a power of attorney, or as […]

From time to time we re-post David Hultstrom‘s Financial Foundations. Mr. Hultstrom, who is a co-founder of Financial Architects, had the following observations regarding recent stock market highs: As the U.S. stock market (as measured by the S&P 500) hits all-time highs, I thought some historical perspective on it might be useful. Over the 98 […]

Privacy Laws

There are a number of laws protecting your privacy and the privacy of your information. This page describes several of them, but it is not meant to be comprehensive. If you have specific questions regarding privacy laws, you should consult with an attorney. Georgia does not have any specific “state” privacy laws. Still, in Georgia, […]

Service animals used by individuals with a disability can only be excluded from public places if they cannot be controlled by their handler or if they are not house broken. See Title II, Section 35.136. Usually service animals must be harnessed, leashed or tethered unless the individual’s disability prevents using those devices or unless it […]

On July 26, 1990, President George H.W. Bush signed into law the Americans with Disabilities Act of 1990 (“ADA”), a comprehensive civil rights law prohibiting discrimination on the basis of disability. The law was amended on September 25, 2008, when President George W.Bush signed into law the Americans with Disabilities Amendments Act of 2008 (ADA […]

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