Results for "social security"

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Divorce might be the worst financial plan of all

October 19, 2016

Divorce can crush just about any retirement savings strategy. And women generally suffer more than men. The later a woman divorces, the more likely she is to be working late in life. The road to real riches often begins in Congress, where the...

Social Security cost-of-living adjustment expected to be lowest ever

October 11, 2016

Advisers, get your aspirin ready. When the Social Security cost-of-living-adjustment for 2017 is officially announced next week, it is expected to be 0.3% — the lowest annual increase on record. After no annual cost of living adjustment this...

Mary Beth Franklin: These retirees lost most when Congress changed Social Security benefits

October 11, 2016

Divorced spouses were real losers of the dramatic changes Congress made to Social Security benefits last year, according to InvestmentNews contributing editor Mary Beth Franklin. Find out how they are missing out.

Most women claim Social Security early

October 6, 2016

Women tend to live longer than men, which means they spend more time in retirement and often do so with less savings. As a result, women retirees, on average, could spend 70% of their Social Security benefits on health care costs. Women count...

Social Security timing can affect Medicare premiums

September 26, 2016

Social Security benefits are expected to increase slightly next year, and most retirees who have their Medicare premiums deducted directly from their Social Security benefits will be protected from a net decline in monthly benefits. However,...

Grappling with retirement health costs

September 25, 2016

It is fairly well-known that Americans are living longer and that medical costs are climbing. How advisers are dealing with these two trends is less clear. There is a good reason why, in the opening paragraph of his cover story last week, InvestmentNews...

GAO study documents mistakes by Social Security Administration staff

September 20, 2016

This should come as no surprise to InvestmentNews readers, but a new study shows government representatives often dole out incorrect or misleading information when people visit their local Social Security Administration (SSA) office in person...

Mary Beth Franklin: The Social Security claiming strategy Congress didn't touch

September 19, 2016

If you are a surviving spouse and also entitled to Social Security benefits based on your own work record, you can still claim one benefit first and switch to the other later. InvestmentNews' Mary Beth Franklin discusses the strategy.

Advisers face big challenges in helping clients prepare for health-care costs in retirement

September 18, 2016

Health-care costs are the great unknown of retirement. Not only are health expenses rising quickly overall, but medical needs and conditions vary dramatically from person to person. There are several moving parts, from combinations of different...

Reforms could solve Social Security funding woes

September 16, 2016

Financial advisers are always asking me to speculate about future changes to Social Security benefits. Will benefits be reduced or eliminated for high-income seniors? Will more wages be subject to payroll taxes? Will all benefits be taxed in...

Small Social Security cost-of-living adjustment likely for 2017

September 12, 2016

Although we are still a month away from an official announcement about the size of the annual cost-of-living adjustment (COLA) for Social Security benefits in 2017, the latest Social Security Trustees report projects a 0.2% increase in benefits...

How Social Security benefits are calculated

September 7, 2016

I received an interesting question from a reader the other day regarding how Social Security benefits are calculated. He said that his wife, who is in her mid-30s, has an estimated Social Security benefit of about $2,600 per month at her full...

New Congressional bill addresses Medicare enrollment confusion

August 30, 2016

In the past, the traditional retirement age of 65 was the trigger age for a host of crucial decisions: claiming Social Security benefits, enrolling in Medicare, retiring from a job and, if you were lucky, the start of collecting your pension....

Social Security and dying too soon

August 22, 2016

Almost every day I read another new study about the impact of increased longevity on financial planning. But last week I experienced a stark reminder about the perils of dying too soon. One of my dear friends died Aug. 15 at age 61, two months...

Social Security drops cell phone mandate

August 15, 2016

Well, that didn't last long. On July 30, 2016, the Social Security Administration began requiring new and current Social Security account holders to sign into their account using a one-time code text message as an extra measure on online security....

Careful planning can help public employees avoid Social Security reductions

August 9, 2016

Nothing angers public employees more than rules that reduce the Social Security benefits they have earned by working in the private sector when they are also eligible for a government pension based on work where they did not pay FICA taxes....

Social Security Administration steps up privacy protections

August 2, 2016

The Social Security Administration had added a new security step for users to access their benefit information online. Starting this month, all users will need a text-enabled cell phone number to log into their accounts at

Solving the mystery of unexpectedly reduced Social Security benefits

July 26, 2016

Who doesn't like a good mystery while lounging by the pool or on the beach on a hot summer day? While I can't compete with James Patterson's or Sandra Brown's pulp fiction page turners, I was able to help one financial adviser get to the bottom...

Social Security reform awaits next president

July 20, 2016

All is quiet in Washington this week as Republicans descend on Cleveland for their national convention and Democrats prepare to invade Philadelphia next week to anoint their presumptive nominee. The lull gave me time to review the numerous Social...

Debt dims boomers' retirement prospects

July 18, 2016

What is the biggest difference between baby boomers' retirement and that of their parents? Many people would say disappearing pensions. But even in the heyday of traditional pensions in 1979, fewer than 40% of U.S. workers were covered by a...

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