Results for "social security"

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Don't be fooled by Social Security benefits estimates

August 12, 2013

Donald Klaas, a financial adviser with Northwestern Mutual in St. Louis, sent me an important question the other day. He wrote that he has a 64-year-old client who has been a teacher at various schools during her career, including some that...

The trick of Social Security in the first year of retirement

August 11, 2013

Often, people who retire midyear have already earned more than Social Security's annual earnings limit that applies to those who collect benefits before their full retirement age. Normally, people who collect Social Security benefits before...

SSA starts paying benefits to married gay couples, but questions remain

August 9, 2013

The Social Security Administration announced today that is has begun processing and paying spousal retirement benefits to some married same-sex couples. “The recent Supreme Court decision on Section 3 of the Defense of Marriage Act (DOMA),...

The trick of Social Security in first year of retirement

August 5, 2013

Often people who retire in mid-year have already earned more than Social Security's annual earnings limit that applies to those who collect benefits before their full retirement age. Normally, people who collect Social Security benefits before...

Mary Beth Franklin: Adviser misconceptions about Social Security claiming for couples

August 2, 2013

Mary Beth Franklin Contributing Editor, InvestmentNews

Deconstructing Social Security's earnings test

July 29, 2013

A young widow contacted me recently to ask about what would happen to her Social Security survivor benefits now that she has returned to work full time. "I know that I qualify for monthly benefits because my child is under the age of 16, but...

Parsing Social Security rules for spouses

July 28, 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...

Getting personal with Social Security-claiming strategies

July 24, 2013

I love helping financial advisers and their clients figure out the best way to claim Social Security benefits. I think it is one of the best ways to ensure a secure retirement. But sometimes, the question — and questioner — strikes closer...

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....

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