Social Security

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  1. Articles

    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

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    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.

  1. Articles

    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

  2. Articles

    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

  3. Articles

    How higher Medicare premiums affect Social Security benefits

    One woman finds out the real reason why her Social Security check declined.

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    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

  5. Articles

    Creative claiming strategies increase Social Security benefits

    A few important concepts can help clients bring in more during their retirement years.

  6. Articles

    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.

  7. Articles

    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.

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    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.

  9. Articles

    Succession planning doesn't mean selling

    Aging advisers need to ask themselves if selling their practice can fund their own retirements.

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    Advisers can answer divorced clients' Social Security questions, except one

    Clients must contact SSA directly to get benefit estimates on ex's earnings.

  11. Articles

    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

  12. Articles

    Widower asks why he didn't get survivor benefits

    I received an e-mail from a widowed dad who asked why he didn’t receive Social Security survivor benefits when his wife died eight years ago.“When my wife died in 2006, we had children who were 14 and 16 years old,” he wrote. “The children received survivor benefits until they were out of high

  13. Articles

    Retirement: From theory to practice

    Husband's retirement ushers in a new era for InvestmentNews contributing editor.