Rafe Klein David Lerner Associates

07/16/2026

Many experts agree that waiting until age 70 to claim Social Security can produce a strong long-term outcome. Yet, only about 10% of retirees actually delay to 70, according to The National Bureau of Economic Research.

So, why are the vast majority of Americans not actually doing it?

Some might feel they can't afford to wait, others might feel that the wait isn't worth it. The right timing ultimately depends on your health, income needs, and overall retirement strategy.

🧭Learn about how delaying Social Security can be a smart strategy for retirement: https://bit.ly/4wwKgqZ

07/14/2026

Net worth acts as a financial scorecard 🧮. It measures what you own compared to what you owe.

The problem is that net worth alone can be misleading for retirement security. It's often subject to forces outside your control like market volatility, interest rate movements, and unexpected healthcare costs.

The goal is to arrive at retirement not just with a number in an account, but with a clear income strategy that suits your goals and lifestyle.

🎯Explore the transition from net-worth thinking to income-thinking in retirement: https://bit.ly/3QXQcdw

07/11/2026

Announcement: Branford, CT - DLA to be a sponsor July 18th. Can’t wait to meet former #1 tennis player in the world, Ivan Lendl! Come out and say hi!

07/11/2026

In the World Cup, the final score gets the headlines, but strong performance is built long before kickoff ⚽🏆It takes intentional strategy, consistent practice, and a deep understanding of how the game is played.

Long-term goals like retirement planning work the same way.

They're not won in a single moment. They're built through careful preparation and regular check-ins along the way.

💭 What's one step you've taken toward your retirement game plan? Let us know in the comments!

07/08/2026

The envelope arrived on a Tuesday ✉️

Inside: a letter from the benefits department where James had worked for 27 years, offering him a one-time choice. Take his pension as a lump sum, or keep the monthly check for life.

The number was big enough to feel life-changing. He had 60 days to decide.

He set the letter on the kitchen table and thought: "Now what do I do?"

A lump-sum pension offer isn't just a math problem, it's a decision that shapes the next 20+ years of retirement. Here's what to weigh before the clock runs out:
⌛https://bit.ly/4eDHV6d

07/08/2026

07/06/2026

Most people spend their working lives chasing a retirement number.

But once they retire, the question changes from "how much do I have?" to "how much can I count on?" 💭

This shift is where the next phase of retirement planning begins: building an income strategy designed to support you for the long run.

An income strategy is not one thing. It's moving parts working together, calibrated to your timeline, tax situation, and lifestyle you want to sustain 🧩

That means evaluating your portfolio for risk protection, longevity, and sources of cashflow.

Explore more considerations for turning savings into reliable income: 🔗 https://bit.ly/4fXlT0z

07/05/2026

I would like to thanks Bold Journey Magazine for contacting me for this interview!

We were lucky to catch up with Rafael (Rafe) Klein recently and have shared our conversation below. Rafael (Rafe), we are so happy that our community is going to have a chance to learn more about you, your story and hopefully even take in some of the lessons you’ve learned along the way. Let’s s...

07/04/2026

Happy Independence Day from all of us at David Lerner Associates, Inc. We're proud to celebrate our 50 years while America celebrates her 250th 🇺🇸