It’s no surprise that the biggest retirement fear is outliving your retirement savings. Understanding how Social Security integrates with your overall financial and retirement planning is critical. There is no “one size fits all” category. Why is this so important? Check out my list below! New U.S. Government Accountability Office (U.S. GAO) study says representatives.. read more →

Without fail, when I sit with clients to discuss maximizing their Social Security claiming strategy the higher earning spouse will say rather emphatically, “My spouse will get half of mine”. WELL, THAT’S A BIG FAT MAYBE! The MOST a spouse will receive as a spousal benefit is one-half of the high earner spouse’s Primary Insurance.. read more →

In August of 2016, the Social Security Administration will add another step to your login process. When you log on to the Social Security website at, you will see a section called “my Social Security” on the home page. You use this section to manage your account, change your address and review your Social.. read more →

The Board of Trustees for Social Security just released its report on the solvency of the Social Security program. In a nutshell, the report states that Social Security benefits, under its present funding through payroll taxes on wages and self-employment income, will have to reduce benefits by 23% beginning in 2035. That’s only 19 years.. read more →

Even if your spouse has never worked under the Social Security system, your spouse may be able to receive benefits if he/she is at least 62 years of age and you are receiving or eligible to receive retirement benefits. This benefit is probably one of the most misunderstood benefits. The MAXIMUM spousal benefit is equal.. read more →