Kirk Chisholm

Wealth Manager, Series 65
Personal Finance, Retirement, Investing
“Kirk Chisholm is a Wealth Manager and Principal at Innovative Advisory Group. His roles at IAG are Co-Chair of the Investment Committee and Head of the Traditional Investment Risk Management Group. His background and areas of focus are portfolio management and investment analysis in both the traditional and alternative investment markets.”

Innovative Advisory Group

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Kirk has been providing wealth management services to individuals, executives, entrepreneurs, and their families, as well as businesses and organizations since 1999. He works with clients to advise them on financial planning, risk management, and portfolio management. He is also an expert at using a self-directed IRA or self-directed 401K to invest in alternative investments. He particularly specializes in alternative investments such as: real estate, precious metals (gold & silver), tax liens, horses, franchises, private company stock, start-ups, intellectual property and more. Kirk is dedicated to developing lasting relationships with all of his clients. 


BA, Economics, Trinity College

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April 2017
    Financial Planning, Real Estate
September 2016
    Real Estate
July 2016
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September 2016
January 2017

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    Social Security
Is it better to start SS benefits at 62 or 66?
60% of people found this answer helpful

The benefits of social security income depend on when you start taking them. As a general rule of thumb at approximately the age of 80, you will see the benefits of waiting. If you draw at age 62 you will get an aggregate total of the income received more than the other two ages (67 or 70) until around the age of 80 at which point the other choices would exceed the income benefits of age 62 draw. 

Ultimately the question comes down to how long are you going to live. If you familial genetics allude to you living well into your 90s, then you should consider starting at 67 or 70 for your social security benefits. If you familial genetics show that you will probably not live past your 80s, then you should start your Social security income earlier. 

Of course this is a general rule of thumb. Your situation may be different and there are multiple factors that can affect this decision.

Lastly, don't worry about inflation.  Right now based on our research and current trends, inflation will not be a significant issue in the next 10+ years.  Inflation should remain low for the foreseeable future. As a side note, generally you cannot try to predict how inflation will affect your social security benefits. It is likely that the government will make additional changes to social security in the next 10 years as well, so keep that in the back of your mind.

I hope you found this helpful


April 2016
    Financial Planning, Retirement, Investing, Asset Allocation
Where should I hold my cash for safety?
59% of people found this answer helpful
March 2016
    Investing, Asset Allocation, Stocks
Are high risk stocks still a good option for young investors?
59% of people found this answer helpful
March 2016
    Investing, ETFs, Mutual Funds
What is the difference between exchange traded funds (ETFs) and closed end funds?
58% of people found this answer helpful
August 2016
    Investing, Asset Allocation
What is the difference between investing and speculating?
57% of people found this answer helpful
July 2016