Why couples must plan for Social Security as a couple

CFP®, WEALTH MANAGER, Evan T. Beach, Campbell Wealth Management, and Awma® •
Kiplinger
smiling middle aged couple looking at laptop at home

I have sat with clients on countless occasions where one or both spouses have told me defiantly, “I am taking Social Security at 62 because [fill in the blank].” Common rationales include: “The system is going broke.” “I’m going to be dead by 75.” “I need the money.” But in most cases a more accurate

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5 keys to your Social Security benefits strategy

Editor, Rachel L. Sheedy, and Kiplinger's Retirement Report •
Kiplinger

Navigating Social Security is a challenging task for those deciding when to claim their benefits. There is a thicket of rules and jargon to cut through. Even those who have been receiving retirement benefits can confront a new obstacle after a spouse dies and a survivor benefit comes into play. And with the government having

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A hidden Social Security windfall for divorcees

CFP®, Dana McLaughlin, Senior Wealth Advisor, C(k)P®, LLC, and Beirne Wealth Consulting Services •
Kiplinger

For divorcees nearing retirement, time is of the essence to thoroughly analyze your financial readiness–and Social Security is often not given its due attention. It not only ensures a consistent income stream, but it is also somewhat customizable to individual circumstances. Social Security benefits are far more complex than many people realize. But a financial

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When should you take Social Security?

Managing Partner, Janie Kelly, RICP, and Jalbert Kelly Financial Group •
Kiplinger

As a financial professional, I get a lot of questions. The one I’m asked most often–pretty much every day, in fact–is: “When is the best time to take my Social Security retirement benefits?” And the answer I give is always the same: It depends. Deciding the right age to take your Social Security benefits can

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