Your July 2022 Newsletter
Your August 2022 Newsletter

Looking Forward


This issue of your newsletter from Cornerstone looks into when it's best to claim Social Security, includes an overview "palliative care", and more. I hope you'll review all of our articles, including a recipe for late-season grilling.

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Claiming Social Security Early

You can begin receiving your Social Security benefits as early as age 62.

Claiming Social Security early can help accelerate your opportunity to start living the retirement you've dreamed of. Many seniors seem to agree: Sixty-two is the most popular age to claim Social Security (Money Talks News). But this comes at a price1...

The benefit differential between claiming at age 62 and later on can be considerable.

And, if you claim your benefits early, your benefits will stay at the (lower) amount for a lifetime, unless payments are changed for everyone (such as cost of living increases).

You can start receiving benefits at any point from age 62 up until age 70. Many experts say the later the better.

Before you decide to claim early, review such personal factors as your health, your cash needs, and family longevity.

If you'd like to discuss early retirement, and ways to enhance your retirement income, please contact me anytime.

1. Jim Miller, "The most and least popular ages to claim Social Security," Daily Journal, (accessed July 29, 2022)

Medicare allows early enrollment under certain circumstances. You must have been on Social Security Disability Insurance (SSDI) for at least two years. And you must have been on SSDI due to amyotrophic lateral sclerosis (also known as ALS or Lou Gehrig's disease). Or, you must have end-stage renal disease.

An Extra Level of Support

Palliative care is specialized medical care for people living with serious illness. It focuses on providing relief from the symptoms and stress of the certain illnesses.

The goal is to improve quality of life for both the patient and his or her family. Care is based on the needs of the patient, not on the patient's health prognosis.

This care is typically provided by a specially trained team of doctors, nurses, and other specialists who work together, along with a patient's other doctors, to provide an extra layer of support.

Sometimes confused with hospice care, Palliative care is comfort care with or without attempts to cure. Hospice is comfort care without any curative intent (Vitas Health Care).

Palliative care is appropriate at any stage of serious illness. Palliative care teams treat people suffering from the symptoms and stress of serious illnesses such as cancer, congestive heart failure (CHF), chronic obstructive pulmonary disease (COPD), kidney disease, Alzheimer's, Parkinson's, Amyotrophic Lateral Sclerosis (ALS) and many more.

MEDICARE COVERS PALLIATIVE CARE as part of treatment for long-term illnesses and hospice care for terminal illnesses. Contact me for more information.

Recipe for good health

Grilled Salmon with Ginger Soy Butter Recipe

Salmon is a great source of vitamin B12 (Cleveland Clinic). This recipe provides healthy eating and great taste.


  • 2 tbsp softened unsalted butter
  • 1/2 tbsp minced chives
  • 1/2 tbsp grated fresh ginger
  • juice of 1 lemon
  • 1/2 tbsp low-sodium soy sauce
  • 4 salmon fillets (4-6 oz each)
  • salt and black pepper to taste
  • 1 tbsp olive oil
  • Directions:

    Mix the butter, chives, ginger, lemon juice, and soy sauce. Preheat the grill or grill pan. Season the salmon with salt and pepper and rub with oil. Wipe grill grates clean and rub with a paper towel dipped in oil. Add the salmon skin side down and cook until the skin is lightly charred and crisp.

    Flip the fish and cook for another 2-3 mins on the flesh side, until the flesh flakes with gentle pressure from your finger but is still slightly translucent in the middle. (Salmon is often served medium, but if you want yours completely cooked, leave it on the grill for another 2-3 minutes.)

    Source: Eat This, Not That!

    Healthy Snacking

    We all enjoy a tasty snack once in a while. But there's no reason why your tasty snack can't be healthy food, too.

    Below are just a few suggested snacks for seniors (reflecting the U.S. Department of Agriculture MyPlate program).2