Social Security

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  1. Articles

    Social Security's negative returns

    Payroll tax contributions exceed lifetime benefits for most workers. (Hear Mary Beth Franklin answer advisers' questions on Social Security today at 4 p.m.)

  2. Articles

    Stop guesstimating, or worse, ignoring, your clients' health care costs in retirement

    Software is available that gives advisers a fighting chance of determining long-term care costs and the need for insurance.

  1. Articles

    Oscars shine light on Alzheimer's costs

    Financial advisers can help clients take early steps to plan for the progressive disease.

  2. Articles

    The art and science of longevity

    Advisers' responsibility to make sure their clients are prepared for the challenges and opportunities that come with extended life expectancies.

  3. Articles

    Social Security rules for divorced public employees

    Divorced couples who were married for at least 10 years can claim Social Security benefits on each other's earnings records as if they are still married. But questions may arise when one of the ex-spouses is a public sector employee.Last week, an adviser asked me if her client's Social Security

  4. Articles

    Testing Social Security 'what if' scenarios

    Increasingly, financial advisers are helping their clients realize that when they retire and when they begin to collect Social Security benefits are two separate decisions. Stopping work does not necessarily mean it's time to claim Social Security, particularly if clients can rely on other sources

  5. Articles

    How to best minimize taxes during retirement

    Combine tax-efficient withdrawals and Social Security claiming strategies to improve retirement outcomes.

  6. Articles

    Obama backs Social Security spousal benefits for same-sex couples

    President's $4T budget proposal includes a major change to the Social Security Act that would allow same-sex couples to receive spousal benefits even if they live in states that don't recognize such unions.

  7. Articles

    Social Security reaches 75th anniversary of first monthly retirement check

    Retirement benefits underscore the value of lifetime income, inflation protection.

  8. Articles

    What Obama's attempt to tax 529 plans says about the safety of Roth IRA assets

    Changes could spark revolt, but 'when Congress needs dollars, they're going to get them,' one adviser says.

  9. Articles

    How to perfectly time your clients' Medicare enrollment

    Decisions on Medicare enrollment carry a meaningful financial impact, are closely tied to Social Security choices

  10. Articles

    Retirement crisis is real and getting worse: Study

    More than half of U.S. households don't have enough saved for retirement, Center for American Progress finds.

  11. Articles

    Two new Social Security books to add to your go-to list

    Financial advisers often ask me for recommendations of which books to read to enhance their knowledge of Social Security rules and claiming strategies.I, of course, tell them to start with my ebook "Maximizing Your Clients' Social Security Retirement Benefits". Think of it as the CliffsNotes of

  12. Articles

    A recipe for future retirement security

    When the American College of Financial Services released the results of its first-ever “Retirement Income Literacy Survey” last December, I dutifully reported the astounding results: Just 20% of retirement-age Americans can pass a basic quiz on how to make their nest eggs last throughout

  13. Articles

    Secrets for successful withdrawal strategies in retirement

    Market conditions in early retirement can help predict whether your clients' assets will actually last 30 years.