Social Security

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  1. Articles

    Advice industry adapts to changing concept of retirement

    Sharp increases in longevity are changing the very concept of retirement, and the financial advice industry must adapt. “For decades, the financial services industry has positioned retirement as the ultimate goal, the endgame,” Jan Blakeley Holman, director of adviser education for Thornburg

  2. Articles

    Why health care is the ultimate retirement wild card

    New study focuses on the need to integrate health care and retirement planning.

  1. Articles

    Social Security tool steps out with new version

    Popular software program's improvements include the ability to compare up to four claiming strategies side-by-side.

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    How a gloomy health prognosis affects Social Security claiming strategy

    For one couple, shortened life expectancy is a strong reason to collect benefits early.

  3. Articles

    Inflation, markets affect Social Security claiming decision

    Deciding when and how to claim Social Security benefits is not just a simple matter of collecting smaller checks earlier or bigger checks later. Current and future economic conditions can have a big impact on the net present value of benefits over a retiree's lifetime.A new white paper on

  4. Articles

    Social Security offset rules can cut or eliminate benefits

    Public employees, including some schoolteachers, may not be aware of reductions.

  5. Articles

    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?

  6. 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.

  8. 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

  9. 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

  10. Articles

    How higher Medicare premiums affect Social Security benefits

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

  11. Articles

    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

  12. Articles

    Creative claiming strategies increase Social Security benefits

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

  13. 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.