Results for "social security"

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Mary Beth Franklin: Advisers unaware of this Social Security twist

December 4, 2012

I love hearing from Investment News readers as they discover the mysteries of Social Security claiming strategies. One adviser from Gaithersburg, Md., recently wrote to me 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: 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....

Payroll tax takes a holiday — and could doom Social Security

October 11, 2012

President Franklin D. Roosevelt must be rolling in his grave. When FDR signed the Social Security Act into law in 1935, he emphasized that the system would be financed by workers' contributions, not by general tax revenues. “We put those payroll...

The UnCOLA: Social Security recipients to get puny cost-of-living boost

October 9, 2012

Social Security recipients will receive a cost-of-living increase for 2013, but it will be only about half as large as the COLA they received this year, according to an unofficial estimate by the American Institute for Economic Research, an...

Spousal-benefit calculations are more complicated than you think

September 23, 2012

My mailbag continues to fill up with questions about Social Security-claiming strategies. I have to admit that no matter how much I think I know about this subject, I always learn something new, thanks to your detailed questions. So please,...

Mary Beth Franklin: Social Security math quiz

September 10, 2012

My mailbag continues to fill up with questions about Social Security claiming strategies. I have to admit that no matter how much I think I know about this subject, I always learn something new thanks to your detailed questions. So, please,...

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