Results for "social security"
Displaying 703 results
May 9, 2017
I am detecting a pattern. Time after time, a financial adviser recommends how a client should claim their Social Security benefits in a way that will maximize their lifetime income, only to be thwarted by a well-meaning Social Security representative...
May 5, 2017
It all began with my husband's surprise party. I planned an intimate dinner with close friends and family at a local restaurant to celebrate his 65th birthday. Mission accomplished. He was surprised, and we all had a good time. Little did we...
May 1, 2017
Young love is often blind and impulsive. Mature love, on the other hand, is pragmatic and wears bifocals. At least that is my interpretation based on recent questions from InvestmentNews readers asking what happens to Social Security benefits...
April 26, 2017
Americans are finally getting the message: Waiting to claim Social Security until full retirement age or later results in bigger monthly benefits for life and can also boost survivor benefits for a remaining spouse. Today's pre-retirees (ages...
April 19, 2017
A prominent financial adviser is proposing to fix the Social Security system by using the same approach that he recommends to clients: Start saving early and take advantage of compound growth. Ric Edelman, executive chairman of Edelman Financial...
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...
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 6, 2017
Now that Congress has eliminated some of the more lucrative Social Security claiming strategies, financial advisers are always looking for ways to help their clients maximize their retirement benefits. Scott Willingham, a financial adviser with...
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
Social Security benefits for about 60 million retired and disabled workers and their dependents will increase slightly in 2017, but for many beneficiaries, the minuscule 0.3% cost-of-living adjustment will be wiped out by higher Medicare premiums....
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.
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