Tag Archives: social security

SLASHING SOCIAL SECURITY ISN’T NEEDED

RETIREMENT – ANDY LANDIS – In late 2016, Representative Sam Johnson (R-TX) recently introduced the “Social Security Reform Act of 2016 (HR 6489). http://samjohnson.house.gov/news/documentsingle.aspx?DocumentID=398516. Congress floats such proposals frequently, but Rep. Johnson’s bill is getting more attention—after all, he is … Continue reading

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TAKING THE CONFUSION OUT OF SS SPOUSAL RULES

RETIREMENT – ANDY LANDIS – Congress tweaked one rule for spousal benefits in in last year’s Bipartisan Budget Act of 2015 (BBA 2015). Since then confusion reigns supreme. No, spousal payments didn’t end on April 30. Instead, an obscure claiming … Continue reading

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LAST CALL FOR FILE AND SUSPEND

RETIREMENT – ANDY LANDIS – Now that your taxes are down, time is running out for Social Security’s traditional “file and suspend” strategy. The Bipartisan Budget Act of 2015 (BBA 2015) changed two key Social Security filing strategies, “file and … Continue reading

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NEW RULES CHANGE SOCIAL SECURITY STRATEGIES

THINKING RETIREMENT – ANDY LANDIS – As I reported last month on my blog, the Bipartisan Budget Act of 2015 (BBA 2015) became law Nov. 2, 2015. Several key provisions of Social Security were changed, including two filing strategies, some … Continue reading

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5 BAD REASONS TO TAKE SOCIAL SECURITY EARLY

THINKING RETIREMENT – ANDY LANDIS – Just when I think I’ve heard every bad reason for taking Social Security early, another one pops up. Understand — there are “good” reasons to take Social Security early. “Bad” reasons aren’t supported by … Continue reading

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SOCIAL SECURITY’S ‘ZOMBIE’ ACCOUNTS

THINKING RETIREMENT – ANDY LANDIS – Social Security has a number of offbeat “quirks.” Here are the top 10, including how to turn your payments into zombies. Quirk No. 10: Your birthday isn’t your birthday – Federal law says you … Continue reading

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SOCIAL SECURITY ADVANCED STRATEGIES; A CASE STUDY

THINKING RETIREMENT – ANDY LANDIS– A real-life case study illustrates three strategies for maximizing Social Security: delay, file and suspend, and spouse-only payments. True story, except the names are changed: I was wrapping up a client education event for a … Continue reading

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SOCIAL SECURITY FOR SAME-SEX COUPLES

THINKING RETIREMENT – ANDY LANDIS – When society changes, Social Security follows suit.  A recent Supreme Court ruling opened the door to Social Security spouse payments for same-sex couples.  SSA is developing policy to comply with the ruling. In order … Continue reading

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MAXIMIZE YOUR SOCIAL SECURITY? NOT SO FAST!

THINKING RETIREMENT – ANDY LANDIS– Maximizing your Social Security is all the rage.  But is it the right move for you? Strategies like “Withdraw and Refile,” “File and Suspend,” and “Restricted Application” are getting attention everywhere.  They are detailed in … Continue reading

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IS SOCIAL SECURITY SOLVENT?

THINKING RETIREMENT – ANDY LANDIS-The Social Security Board of Trustees recently released its Annual Report to Congress on Social Security’s long-term finances.  Minus the hype, the report is both significant and surprising.  Here’s Q&A on the latest findings. I keep … Continue reading

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