Sequencing Social Security Benefits

July 20th, 2017 (No Comments)

People that are considering retirement simply look at their Social Security statement for additional income at the age they want to retire. They have no idea how to sequence their benefits with their spouses for additional income stream or improved survivor benefit. This is the importance of looking at your benefits collectively. Of course, you […]

Earnings Test for Dual Income Families

July 12th, 2017 (No Comments)

Working later in life, has almost become the norm. People love their jobs, have good health, look forward to additional income and savings, and sometimes just need to stay busy. With that said, whatever your situation might be, taking the Social Security benefit while still working can create quite a challenge Call Pillars LLC at […]

What is FRA?

July 10th, 2017 (No Comments)

People are very confused about the term FRA or Full Retirement Age, so we will try and explain. There is not just one age which Social Security considers full retirement age, as it depends on when you were born. The reason for the term FRA is to define for you what age you are eligible […]


July 7th, 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 […]

Working During Retirement

July 5th, 2017 (No Comments)

Many of our clients after reviewing the actual costs associated with retirement, are opting to work part-time to supplement their income. Some also miss working and being around co-workers so head in this direction for social reasons. Social Security has changed over the decades. Folks use to decide when they wanted to retire, shook the […]

Claiming Strategies are the REAL DEAL

July 3rd, 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 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 […]