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Public pensions offset Social Security

Advisers must know whether clients who have worked for federal, state or city governments may be affected by pension rules that can reduce or even eliminate certain Social Security benefits.

I have received a slew of questions recently from financial advisers who are trying to create retirement plans for married couples where one spouse has had a career in public service or public education.

As advisers, it is important to know whether clients who have worked for federal, state or c

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