Results for "social security"
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April 10, 2017
When is a marriage a marriage? In the case of same-sex couples, it can be complicated, particularly if their union pre-dates the nationwide recognition of gay marriage. On June 26, 2015, the U.S. Supreme Court issued a decision in Obergefell...
April 3, 2017
We've all grown a bit weary over politically charged arguments about what constitutes real versus fake news. Based on my overflowing email box, I sense a similar frustration from financial advisers and their clients about how to interpret answers...
March 27, 2017
Last week, 50 members of Congress sent a letter to President Donald J. Trump asking him to exempt the Social Security Administration from the federal hiring freeze "to ensure that the American people receive the first-class service they have...
March 10, 2017
While overall divorce rates in the U.S. remained stable between 1990 and 2010, gray divorce among spouses age 50 or older doubled during the same 20-year period, jeopardizing the retirement security of millions of baby boomers. Now, one in four...
February 13, 2017
I don't know who is more frustrated about the rash of bad advice being doled out by Social Security Administration staffers recently — financial advisers, their clients or me. More than a year after Congress approved changes to Social Security...
February 9, 2017
As many clients continue to work beyond the traditional retirement age of 65, financial advisers are often confronted with questions about the interaction of employer-provided health insurance, Medicare and health savings accounts. Health savings...
February 3, 2017
More than half of Social Security beneficiaries over age 62 are women, and two-thirds of beneficiaries over age 85 are women. InvestmentNews contributing editor Mary Beth Franklin discusses how advisers can help them maximize their benefits.
January 27, 2017
A question from an InvestmentNews reader warmed my heart because it perfectly demonstrates how financial advisers can continue to help their clients maximize their Social Security benefits even after the recent changes to the claiming strategy...
January 25, 2017
As your older clients gather their financial documents to file their 2016 federal income taxes, they should pay close attention to the bottom line on their tax return. Their adjusted gross income in 2016, plus any tax-exempt interest income,...
Mary Beth Franklin: How to maximize Social Security when one spouse is receiving disability benefits
January 20, 2017
Can a wife collect spousal benefits on her husband who is receiving Social Security disability benefits? InvestmentNews contributing editor Mary Beth Franklin explains the answer to this very popular question among readers.
January 19, 2017
Talk about double whammy! One adviser asked me for guidance on a Social Security claiming strategy for a newly widowed client. Not only did she lose her husband recently, but at the end of last year, she also lost her job. The adviser, Dewey...
January 11, 2017
One financial adviser was baffled when her client received a Social Security check that was $1,000 less than what they expected. InvestmentNews contributing editor Mary Beth Franklin discusses why they failed to account for two things.
January 10, 2017
The Social Security Administration announced it will stop mailing estimated benefit statements to most American workers in a cost-saving move that is expected to save about $11 million this year. Well, “announced” may be too strong a word....
January 5, 2017
What do you do when you find out your Social Security earnings record is wrong? InvestmentNews contributing editor Mary Beth Franklin discusses how to spot errors and the steps to take once you find them.
January 3, 2017
Sometimes a financial adviser engages a new client who has already begun collecting Social Security benefits. Or, perhaps an existing client files for Social Security without consulting the adviser about how it will impact the overall retirement...
December 28, 2016
The majority of American adults marry at least once during their lifetimes, but only about 40% of them stay married, according to the U.S. Census Bureau. Some Americans go on to marry a second time and a small percentage — 4% — marry three...
December 27, 2016
InvestmentNews contributing editor Mary Beth Franklin breaks down how the Social Security Administration calculates benefits and what advisers' clients can do to maximize the money coming in.
December 22, 2016
The Social Security program will run out of money in calendar year 2029 and will not be able to pay full benefits after that, according to updated projections published Wednesday by the Congressional Budget Office. The program consists of two...
December 21, 2016
Looking back on the Social Security rules changes that took effect in 2016, some financial advisers may think that it is no longer worth their time to focus on claiming strategies to boost their clients' retirement income. But rather than playing...
December 16, 2016
2016 was a big year for Social Security news, following Congress’ vote to eliminate some key Social Security claiming strategies. Here are the Social Security stories in InvestmentNews that gained the most attention from readers this year,...
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