Strategies

Why Delaying Your Social Security Claim At 70 Helps Your Spouse’s Benefits

Delaying Social Security to 70 doesn't increase what your spouse receives while you're alive, but boosts what a widow or widower gets after your...

Multiple Social Security Deposits May Arrive In July—Here’s When And Why

See who may get July 2027 deposits on consecutive days, the exact payment dates, and what to do if money is missing.

When Your Adviser Suggests Moving Pension Funds: Key Questions For Retirees

A practical checklist helps retirees compare pension guarantees, rollover costs, adviser conflicts, and transfer mechanics.

How Much Will Your Social Security Payment Increase in 2027?

Model a 2.4% increase now, account for deductions, and update your budget when SSA announces the official rate.

Bipartisan Senate Proposal Aims to Prevent Social Security Fund Depletion

Understand what the PROMISE Act could change and which Social Security funding dates retirement plans should test.

Congress Considers Sweeping Overhaul of Social Security Program Benefits

A plain-language guide to the 2026 Social Security reform bills, the 2032 shortfall, and what each proposal would actually change.

2027 Social Security Cost of Living Adjustment Expected to Rise 3.8% for Retirees

Why the projected 3.8% 2027 Social Security COLA is only an estimate—and what retirees should watch before October.

Oklahoma Eliminates Orphan Tax: Foster Children Can Keep Full Social Security

How Oklahoma's end to the "orphan tax" protects foster children's survivor benefits—and where the "keep it all" promise has real limits.

Claiming Social Security at 64: How Early Benefits Affect Your Tax Obligation

Claiming Social Security at 64 shrinks your check but not your tax rules — see how combined income, not age, decides what's taxed.

Social Security Means Testing Debate: Does Income Limit Punish Smart Savers?

Social Security already uses a progressive benefit formula that favors lower earners; explicit means testing remains unlaw, though Congress debates whether to adopt it.

2026 Social Security Raise Predictions: Will Larger Adjustment Still Fall Short?

Social Security's 2.8% 2026 raise is larger than 2025's but still falls short—Medicare premiums consume a third of the gain.

Social Security Scam Alerts: How Seniors Can Avoid July Payment Fraud

Social Security scams use fake urgency and payment demands to steal from seniors—but verifying through the official SSA number blocks most fraudsters.

Inflation-Protected Retirement Income: TIPS Annuities and COLA Strategies

Inflation protection in retirement comes from two separate strategies—TIPS bonds and COLA annuity riders—each with distinct tradeoffs around guarantees, flexibility, and cost.

Widow Benefits Strategy: How Delayed Claims Can Protect a Spouse

Widow benefits compound when the higher earner delays Social Security—a lifetime income protection that survives longer than either spouse.

Pension Lump Sum Decision: Questions Retirees Should Ask Before Cashing Out

A pension lump sum seems like freedom until markets crash and your money runs out—here's how to decide if it's right for you.

Social Security Maximum Benefit 2026: Who Qualifies for $5,181 Monthly

To qualify for Social Security's $5,181 maximum in 2026, you need 35 years of maximum earnings and must wait until age 70 to claim.

Promise Act Social Security Reform: Bipartisan Senate Proposal Explained

A bipartisan Senate bill would force Congress to vote on Social Security reform before the trust fund depletes in 2032.

Final July Social Security Payment Schedule: Birthdate Rules Explained

Social Security's July 2026 payments arrive across three specific dates determined by your birth date, with the final regular payment on July 22.

House Passes Bill to Correct Pension Payments for 8,000 Federal Retirees

A shutdown exposed a pension-payment gap for two uniformed services; a House NDAA provision targets the funding mechanism behind it.

Allegheny County Pension Crisis: District Attorney Calls for State Takeover

A court fight over a deeply underfunded county pension could reshape retirement security, taxes, and public services.

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