Results for "social security"

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Decoding Social Security rules for spouses

July 22, 2013

Recently, I participated in a three-hour All Star Tax training video sponsored by Edward Jones to bring accountants, tax attorneys and enrolled agents up to speed on Social Security rules and claiming strategies. I have been flooded with questions...

Replacement rates fall as women's earnings rise

July 21, 2013

Here is a stunning statement: Although an increase in women's workforce participation and average earnings has boosted the income of many American families, it also has reduced household retirement income replacement rates from Social Security....

Social Security rules can wreak havoc on divorce plans

July 18, 2013

I always say that when it comes to claiming Social Security benefits, timing is everything. And when an older couple is considering a divorce, it can lead to some difficult choices. Jessica Ness, a certified financial planner with Glassman Wealth...

Mary Beth Franklin: Working women dramatically skewing Social Security payouts

July 16, 2013

Here's a stunning statement: While an increase in women's workforce participation and average earnings has boosted the income of many American families, it has also reduced household retirement income replacement rates from Social Security....

Mary Beth Franklin: Social Security plan for an unplanned early retirement

July 11, 2013

Time and time again, we hear about people who are forced into early retirement due to circumstances beyond their control such as a job layoff, health crisis or caregiving responsibilities for a spouse or other family member. Often, those people...

Retirement: From theory to reality

July 7, 2013

For decades, demographers, marketers and pollsters have been carefully tracking baby boomer trends, from the increasing demand for classroom space during their early school years to the rise of the McMansion as they began to raise families of...

Mary Beth Franklin: New Social Security prospecting tool all sizzle, no steak

July 7, 2013

The one-time specialty of Social Security income planning is going main stream. It's no longer the purview of a small group of financial advisers focusing on retirement income planning. Rather, it is becoming a key part of the financial advice...

Mary Beth Franklin: Social Security benefits include past inflation adjustments

June 24, 2013

I recently received a great question about Social Security benefits that I had never before encountered. Carl Holubowich, a financial adviser in Washington, D.C., said that he has a female client who recently reached her full retirement age...

Don't let your clients leave Social Security benefits on the table

June 19, 2013

Following a recent seminar on Social Security claiming strategies that I conducted at the request of a local wealth advisory firm, I received some fascinating questions. One was from a woman who is 69. Her husband, who is 71, began collecting...

Mary Beth Franklin: The question Social Security calculators can't answer

June 18, 2013

Last weekend, I participated in a retirement income forum sponsored by a local wealth management firm near my home in Falls Church, VA. Nearly 300 of the firm's clients attended the six-hour program that ran from breakfast through lunchtime...

Bogle: SocSec greatest fixed income

June 16, 2013

The rule of thumb has always been that as individuals get older they should allocate more to bonds, but that may not be the best route to retirement — and not just because of rising interest rates. They may be overlooking the other big source...

Fewer options for altering spousal Social Security claims

June 16, 2013

R eaders come up with the best questions. Sarah, a financial adviser in Los Angeles, is one of them. Sarah asked whether a person who claimed reduced Social Security spousal benefits early, at 62, can do anything to restore a higher benefit....

Live from Morningstar Are retirees holding too many bonds?

June 13, 2013

The rule of thumb has always been that as individuals gets older they should allocate more to bonds, but that may not be the best route to retirement — and not just because of rising interest rates. They may be overlooking the other big source...

The most misunderstood Social Security rule

June 12, 2013

In one of my recent blogs, I discussed Social Security spousal benefits, explaining how spousal benefits can be worth up to half of the amount of a worker's benefit if collected at full retirement age. I also noted that because spousal benefits...

Mary Beth Franklin: No mulligan after claiming spousal benefits early

June 10, 2013

Readers of my InvestmentNews blogs and columns come up with the best questions! They make me rethink how I can present information about the often-complicated Social Security claiming rules in a clearer fashion. Sarah, a financial adviser in...

Why we need to fix Social Security now

June 9, 2013

When the Social Security trustees issued their annual report recently, you could almost hear a collective sigh of relief across the country. The long-range financial outlook for the nation's crucial retirement system is still on track to pay...

Next benefit fortress to fall: Employee health insurance

June 9, 2013

Workplace-based health insurance is following in the footsteps of retirement benefits. In response to rising premiums over the past few years and fear of the unknown when Affordable Care Act changes kick in next year, increasing numbers of employers...

Mary Beth Franklin: How to mesh Social Security disability and retirement strategies

June 6, 2013

I received an interesting question from a financial adviser in West Chester, Pa, yesterday about how to coordinate Social Security disability and retirement benefits. Jeff asked me to recommend an optimum claiming strategy for his client, a...

66 is magic number for retirement age

June 2, 2013

Sixty-six is the magic retirement age for those seeking full Social Security eligibility, but Medicare eligibility appears to be a considerable factor for those who decide to stop working at 65. That was the conclusion of a study published by...

Gaining Social Security expertise can make advisers clients' allies

June 2, 2013

More and more, financial advisers are becoming experts in Social Security-claiming strategies, and their clients are better off as a result. And for those who haven't yet mastered the intricacies of this vital benefits program, there is no shortage...

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