Results for "social security"

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Willing suspension of benefits can boost Social Security payoff

February 27, 2013

I had a great question from an adviser in Hawaii the other day about one of his clients who had collected her Social Security benefits early at 62 and now regrets her decision. J.R. wants to know if his client Carmen, who turned 66 last September,...

Surprise! A trip to the Social Security office isn't hell on earth

February 25, 2013

The saga of one financial adviser's attempt to access his estimated benefit information from the Social Security Administration (SSA) has a happy ending. As you may recall, I recently wrote about Bob Taylor, an adviser from Chicago, who was...

Tackling online accounts for Social Security a pain

February 24, 2013

Technology is maddening at times. Just ask Bob Taylor, a financial planner from Chicago who works with clients who are in or nearing retirement. After reading my Jan. 28 column, “Social Security goes fully paperless,” he decided to set up...

Mary Beth Franklin: Jumping the gun on Social Security a big mistake

February 19, 2013

I feel like I've created a monster! For the last several years, I've have been trying to get the message out to consumers and financial advisers that there are ways to increase lifetime Social Security benefits depending on how and when you...

Mary Beth Franklin: Virtual Social Security accounts can be a real pain

February 17, 2013

Technology can be maddening at times. Just ask Bob Taylor, a financial planner from Chicago who works with clients who are in or nearing retirement. After reading my January 27 column Social Security goes fully paperless (,...

Lump sum payouts for Social Security? Yep

February 11, 2013

I received an e-mail from a reader the other day asking if I was aware of the bonus lump sum payment available for those who wait until after their full retirement age to claim their Social Security benefits. I was, of course, aware of the 8%...

Retirement planning can hurt health

February 10, 2013

Traditional retirement income planning, which emphasizes investing in tax-deferred vehicles such as 401(k) plans and individual retirement accounts, could be a ticking time bomb. And the reason could be surprising: higher Medicare premiums....

Mary Beth Franklin: Clients get two-fer when they postpone Social Security

February 7, 2013

I received a great question from a reader in Wheeling, Ill., the other day. Tom turned 66 in November 2011 and filed a restricted claim to limit his Social Security benefits to spousal benefits only when his wife began collecting her reduced...

Americans want to prop up Social Security — but not on their backs

January 31, 2013

A majority of the American public supports preserving, and even enhancing, existing Social Security benefits, even if it means raising payroll taxes on working-age Americans. A new survey, released Thursday by the nonpartisan National Academy...

Factoring a child's benefit into a claiming strategy

January 27, 2013

When I speak to consumers and financial advisers about strategies for claiming Social Security, I often joke about the “Viagra College Fund.” That is how I refer to the provision of Social Security benefits to a dependent child when a parent...

Social Security goes fully paperless

January 27, 2013

Financial advisers were among the most vocal critics when the Social Security Administration first suspended mailing annual benefit statements to workers as a cost-saving measure in mid-2011. The mailing of these documents that are so crucial...

Barro: In flap over 'Makers and Takers,' Ryan a faker

January 25, 2013

In his second inaugural address, President Barack Obama took issue with the "makers versus takers" narrative put out by Republican politicians. Paul Ryan took issue with the president's characterization of his argument: [E]arned entitlements,...

Delaying Social Security bennies could come back to bite clients

January 20, 2013

For every action there is a reaction. It's a basic rule of science — and financial planning. I wanted to share an e-mail I received from an InvestmentNews reader in California regarding an elderly woman who purposely delayed taking her Social...

Why the merry widow is so merry

January 20, 2013

S eniors involved in later-life romances sometimes choose to live together rather than remarry, in order to preserve pension benefits of a previous spouse or to avoid becoming responsible for the debts of their new partner, including long-term-care...

Mary Beth Franklin: Why the merry widow is so darned merry

January 15, 2013

Seniors involved in later-life romances sometimes choose to live together rather than remarry in order to preserve pension benefits of a former spouse or to avoid becoming responsible for the debts of their new partner, including long-term care...

Figuring out Social Security spousal benefit requires some ciphering

January 11, 2013

Most financial advisers grasp the basic concepts of Social Security claiming strategies: Claim early and collect a smaller benefit over a longer period of time or hold out for a bigger benefit at full retirement age or later, which for married...

Mary Beth Franklin: The one thing advisers should know about Social Security

January 9, 2013

I want to thank Investment News reader Larry Lindsley, a certified financial planner in Green Bay, Wis., for posing an important question about Social Security benefits for married couples. He asked how claiming reduced retirement benefits early...

No linkage as Social Security stays unchained — for now

January 3, 2013

Demands by congressional Republicans to scale back the future cost of the Medicare and Social Security programs nearly derailed the year-end fiscal cliff negotiations. In the end, congressional leaders and the White House postponed tough decisions...

Should widows take survivor or retirement benefits?

December 17, 2012

When it comes to selecting when and how to claim Social Security benefits, widows and widowers have more flexibility than other beneficiaries. Remember, retirement benefits and survivor benefits represent two different pots of money. A surviving...

Stay married for a decade to get benefits

December 16, 2012

During a gathering of Social Security wonks at the Newseum in Washington last month, I joked that perhaps marriage vows should be rewritten to raise awareness of the value of Social Security benefits for divorced individuals under certain conditions....

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