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Social Security Milestone




This month, my newsletter explores the following topics:


There’s still time to make the most of your finances – and minimize taxes – before the close of 2023. Please reach out if you would like to explore the possibilities.


I’m ‘Laddering’ My CDs To Earn The Most On My Savings

Looking for a savvy way to optimize your savings? Learn how Jackie Lam strategically laddered CDs in 3-month increments, benefiting from higher interest rates without locking away funds indefinitely.

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Charitable Gift Annuities: Benefit Yourself And Your Favorite Charity

Donating to charitable gift annuities can provide you with tax breaks now and income later. Here’s what you need to know.

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As Social Security Marks A Milestone, Here Are 3 Things To Know About Your Retirement Benefits

President Franklin D. Roosevelt signed the Social Security Act into law in 1935. Eighty-eight years later, the program has never missed a payment. Here’s how Social Security has changed and what experts are watching for next.

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Estate Planning Amid Family Estrangement: Limiting The Fallout

Family estrangements can complicate estate planning, often leading to surprises and legal battles after a loved one’s passing. Learn why open conversations about inheritance intentions might be the key to avoiding misunderstandings and promoting family harmony.

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Michael M. Silverman is a Financial Representative of The Guardian Life Insurance Company of America, New York, NY.  Silver Lining Insurance Agency, Inc. is not an affiliate or subsidiary of Guardian.


Links to external sites are provided for your convenience in locating related information and services. Guardian, its subsidiaries, agents, and employees expressly disclaim any responsibility for and do not maintain, control, recommend, or endorse third-party sites, organizations, products, or services, and make no representation as to the completeness, suitability, or quality thereof.


2023-162412 Exp. 10/25

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