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Huge gap in public's knowledge of Social Security rules
Difference between claiming strategies could be as much as $250,000 for a married couple.
Making tough decisions to fix Social Security
A new policy simulation tool lets users design their own package of reforms to fully fund Social Security. If individual users can make these tough decisions, why can't elected officials?
Mary Beth Franklin: Budget raises questions about fate of claiming strategies
Unclear if and when proposed change might take effect, still more vague about what strategies would be affected.
White House budget proposal targets Social Security benefits
President Obama's plan takes aim at strategies used by upper-income claimants to increase their benefits.
Two wives, two sets of Social Security benefits
Thank you to the more than 2,500 listeners who tuned in to my Social Security Bootcamp webcast on Tuesday. If you missed it, or want to review it, an archived version of the webcast is available. Click here to access it. In the meantime, I'll try to plow through the more than 365 questions that I
Getting the most from Social Security benefits
The first rule: If possible, don't file before 66. Second rule: If you can, file and suspend.
Age gap can thwart couples' Social Security-claiming strategies
Do you ever feel like your clients are asking you to be a magician, pulling an optimum retirement income strategy out of your hat? A coordinated Social Security-claiming strategy can act as a magic wand for some couples, allowing an older, higher-earning spouse to file and suspend in order to
Rate-of-return analysis shows value of delaying Social Security
Mary Beth Franklin says that the higher-earning spouse should maximize benefits.
Should clients carry a mortgage into retirement?
Everyone knows one of the great benefits of home ownership is the tax advantages that come with the ability to deduct mortgage interest and property taxes. In the past, it was common for Americans to buy a house, stay put for 30 years, and retire their mortgage before they retired from the
New Social Security tool debuts for advisers
There are numerous Social Security planning tools available to help financial advisers figure out an optimum claiming strategy for their clients. But the newest software, Omyen's Social Security Maximizer, has something that sets it apart: It's free. The Social Security Maximizer generates
Millions set up online Social Security accounts
More than 10 million Americans have signed up for a personalized account at the Social Security Administration website as of Feb. 1, a two-and-a-half fold increase since this time last year. Still, it's a drop in the bucket considering there are about 165 million American workers who are expected
Don't get greedy with Social Security strategies
Don't get greedy when trying to maximize Social Security benefits for your clients. Beneficiaries are entitled to only one claim per person. InvestmentNews contributing editor Mary Beth Franklin has the details.
New public opinion poll supports Social Security reform
Changes including raising full retirement age, making more income subject to payroll tax gain support.
Social Security benefits subject to a family maximum limit
Given the high rate of divorce and remarriage, it’s not unusual for a retirement-age father to have minor dependent children in his second family. And when dad becomes eligible for Social Security retirement benefits, his wife and children may be entitled to benefits, too. An eligible child can be
Public pensions offset Social Security
Advisers must know whether clients who have worked for federal, state or city governments may be affected by pension rules that can reduce or even eliminate certain Social Security benefits.
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February 27, 2014