Archives

What Does Longevity Have to do with Social Security?

June 13th, 2017 (No Comments)

According to the 2015 Social Security report, less than 7% of people with enough quarters to draw their Social Security benefit died prior to receiving. There are three other groups of individuals that will not receive benefits – infrequent workers who do not have sufficient earnings to qualify for benefits, non-covered workers such as state […]

Know Before You Go

June 13th, 2017 (No Comments)

A whopping 85% of Americans fail to maximize their Social Security benefits! If that is not bad enough, at least 70% of retiring Americans (10,000 per day) accept less than what they are entitled at full retirement! Why? Lack of understanding of the rules & regulations and/or lack of education about Social Security and the […]

Age Matters

June 13th, 2017 (No Comments)

With the passage of the Bi-Partisan Budget Act on November 2, 2015, age became a determining factor concerning options in the Social Security world. Congress, to close loopholes they had created, (we call them claiming strategies) placed beneficiaries into categories we call TIERS. This is the breakdown on Tiers: Tier 1 – if you turned […]

Working During Retirement

June 10th, 2017 (No Comments)

Part II Hope you had a chance to read Part I of this series as it contained very important information for the ladies in our communities. As we continue this article, I am going to give you a likely example of the concerns for women: 1. SALLY – married 22 years – divorced but single […]

Good News

June 8th, 2017 (No Comments)

As Roy and I were listening to one of our required webinars, we heard the GOOD NEWS – in the last three years, people filing for Social Security at age 62 has been reduced from 45% to 28%!! People are finally listening to our message. Okay, we understand that some people need to file at […]

Claiming Strategies are the REAL DEAL

June 1st, 2017 (No Comments)

Social Security laws changed on November 2, 2015 with the passage of the Bi-Partisan Budget Act. They will change again in 2020 when claiming strategies will no longer be available. There is an urgency to our message – the ability to improve your benefit amount and your survivor benefit will greatly be minimized. Those of […]

What is a Plan?

May 25th, 2017 (No Comments)

Retirement is something that needs to be well thought out and planned for in advance. Not only do you need to look at potential income from Social Security, you need to set up your Medicare options (age 65), and you need to review your other 401K’s or pension plans for best use withdrawals. This does […]

What Every Women Needs to Know Before Filing” Part II

May 20th, 2017 (No Comments)

Hope you had a chance to read Part I of this series as it contained very important information for the ladies in our communities. As we continue this article, I am going to give you a likely example of the concerns for women: 1. SALLY – married 22 years – divorced but single 2. Age […]

Confusion at Best

May 13th, 2017 (No Comments)

Almost on a weekly basis, we are made aware of someone that went to file for Medicare and filed for Social Security at the same time – age 65. The filing dates are not the same readers…..please read on!! Sure, it sounds logical to kill two birds with one stone. And, if this is what […]

“Gray Divorces” and Social Security

May 11th, 2017 (No Comments)

Divorce is not an easy situation at any age. Complications arise involving children, pensions, 401K’s, and the house, but people are not aware of the complications that arise involving Social Security. In many instances, this change of status can jeopardize the retirement security of literally millions of baby boomers. A recent study, Bowling Green University […]