Results for "social security"

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Retirees can cut their taxes by delaying Social Security

December 16, 2012

When individual retirement accounts and 401(k)s were created decades ago, the idea was to offer tax-deferred savings on retirement plan contributions while workers were most likely in their highest tax brackets and to tax distributions during...

Social Security: More on how to collect on your ex

December 12, 2012

Recently I committed what, back in my Catholic school days, would be called a “sin of omission.” In my latest blog about Social Security benefits -- 'Til Decade Do Us Part"-- I left out a key phrase and some of my readers may have been confused...

Mary Beth Franklin: For Social Security, it's 'till decade do us part'

December 10, 2012

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

Many unaware of this Social Security twist

December 9, 2012

I love hearing from InvestmentNews readers as they discover the mysteries of strategies for claiming Social Security. One adviser from Gaithersburg, Md., recently wrote about the pleasant surprise he received when he filed for Social Security...

Ex-wives not X'd out of Social Security survivor benefits

November 29, 2012

I dug into my mailbag today to share an interesting question about Social Security benefits from a financial adviser in Colorado Springs. Alan writes: “I have a female client age 56. She was married for over 10 years, divorced, and her former...

Updated Pru report out on Social Security strategies

November 25, 2012

There is nothing I enjoy more than sitting around with a bunch of smart people discussing my favorite topic: strategies for claiming Social Security. I had a chance to do so last Monday with a stellar panel of experts at the Newseum in Washington....

Ignoring women's health-care costs 'reckless': Experts

November 21, 2012

Financial advisers have an obligation to help female clients plan for future health care needs and expenses, including evaluating the options for long-term-care insurance and Medicare, according to a panel of experts participating in an InvestmentNews...

Mary Beth Franklin: Four costly Social Security mistakes

November 19, 2012

There's nothing I enjoy more than sitting around with a bunch of smart people discussing my favorite topic: Social Security claiming strategies. I had the chance to do that on Monday with a stellar panel of experts at the Newseum in Washington,...

Undoing a decision to claim benefits

November 18, 2012

I received an interesting question from a reader who had started collecting reduced Social Security benefits at 62 and had banked all the benefits. She wonders if she can repay the money and apply for higher benefits at her current age of 65....

What happens to Medicare when you suspend Social Security bennies?

November 13, 2012

I received some great questions from InvestmentNews readers following my recent post on how to voluntarily suspend Social Security benefits once you reach your normal retirement age of 66 as a way to earn delayed retirement credits. Duane asked:...

Mulligan? How to undo a Social Security claiming decision

November 12, 2012

I received an interesting question the other day from a reader who had started collecting reduced Social Security benefits at age 62 and had banked all the benefits. Now that she is 65, she wondered if she could repay the money and apply for...

Get your (Social Security) tricks on Route 66

November 11, 2012

Married couples have the most flexibility in maximizing Social Security, but the rules about how and when to claim those benefits are very confusing. Financial advisers and their clients are intrigued by the idea that one spouse may be able...

Mary Beth Franklin: How to play the Social Security age game

November 6, 2012

My recent column about the value of waiting until the magic age of 66 to exercise creative Social Security claiming strategies triggered numerous comments and questions. Sometimes, age differences between two spouses make it difficult to delay...

Mary Beth Franklin: Get your (Social Security) tricks on Route 66

November 5, 2012

When it comes to maximizing Social Security benefits, married couples have the most flexibility. But the rules about how and when to claim those benefits are very confusing, as evidenced by the numerous questions that have been clogging my inbox....

Higher taxes = less retirement savings: IRI survey

October 31, 2012

Baby boomers' retirement savings have already been hindered by a poor economy, and higher taxes will only make things worse. An increase in federal income taxes will put the biggest dent in boomers' savings. Indeed, 54% of the 503 Americans...

Scary: Retirement expectations, goals unrealistic

October 28, 2012

I read a lot of retirement readiness studies, but frankly, this latest Wells Fargo & Co. telephone survey of 1,000 middle-class Americans between 25 and 75 scares me. It displays a real disconnect between what Americans need to do and what they...

President Obama or President Romney?

October 28, 2012

President Barack Obama and former Massachusetts Gov. Mitt Romney have very different visions of how policies related to taxes, health care and Social Security will affect your clients' well-being. Pundits virtually all agree that the election...

Annuities suffer from a branding problem

October 21, 2012

Against a backdrop of low interest rates on savings and a volatile stock market, near and current retirees are hungry for predictable, guaranteed income for life. But many clients and, in some cases, their financial advisers generally reject...

Flat COLA: Medicare hikes will offset Social Security increase

October 16, 2012

Monthly Social Security benefits for more than 56 million retirees will increase 1.7% in 2013, less than half the 3.6% increase that they received this year. Retirees received no cost-of-living adjustment in either 2010 or 2011. Despite the...

The skinny: Delaying retirement won't fatten Social Security check

October 12, 2012

Financial advisers and their clients are getting used to hearing me preach the gospel of delaying Social Security benefits as a way to increase guaranteed income in retirement. But delaying benefits does not necessarily mean delaying retirement....

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