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Social Security offset rules can cut or eliminate benefits
Public employees, including some schoolteachers, may not be aware of reductions.
Everyone's talking about postponing Social Security benefits
Do you ever wonder why so many people are talking about the value of delaying Social Security benefits?
For (almost) every rule there are exceptions
There are more than 2,700 "rules" around claiming Social Security benefits and most of them can be broken
Lump sum or monthly pension? How I made my decision
The question is one advisers are likely to hear more often. The answer depends on a person's financial needs, life expectancy and access to other assets.
Minimum Social Security benefit protects survivors
Social Security rules are complicated, and occasionally I get them wrong.For example, I had always relied on the Social Security Administration's publications that clearly stated: “If the person who died was receiving reduced benefits, we base your survivor benefit on that amount. The maximum
Wife's unexpected death draws Social Security questions
Regular readers of InvestmentNews know I often urge married couples to select a Social Security claiming strategy that will result in the largest possible survivor benefit. That is usually accomplished by having the higher-earning spouse delay collecting retirement benefits as long as possible — up
How higher Medicare premiums affect Social Security benefits
One woman finds out the real reason why her Social Security check declined.
Social Security: What professional women need to know
When Social Security was created in 1935, the typical American family had a working husband, a stay-at-home wife and a houseful of kids. Today, 40% of mothers are either the sole or primary source of income for their families — a figure that has nearly tripled since 1960.As women's role in the
Creative claiming strategies increase Social Security benefits
A few important concepts can help clients bring in more during their retirement years.
Who's risk averse? Not Millennials
Concern that the future of the federal safety net for seniors is precarious and the ubiquity of 401(k)s are prompting those born from 1979 to 1996 to get an earlier start on saving than prior generations, And they're ending up in stocks.
Medicare: The next frontier
As health care costs in retirement rise, many advisers and clients still haven't accounted for a major part of those expenses: Medicare.
Beware of the blind side
If your clients think Medicare will cover most, if not all, of their health care costs in retirement, they are sorely mistaken.
Succession planning doesn't mean selling
Aging advisers need to ask themselves if selling their practice can fund their own retirements.
Advisers can answer divorced clients' Social Security questions, except one
Clients must contact SSA directly to get benefit estimates on ex's earnings.
How to calculate Social Security's maximum family benefit
The Social Security Administration estimates that 4.4 million children receive about $2.5 billion each month because one or both of their parents are disabled, retired or deceased.I often argue about the value of delaying Social Security benefits until full retirement age or later, but when a young