7 Social Security Rules You Need to Know Before You Claim скачать в хорошем качестве

7 Social Security Rules You Need to Know Before You Claim

Social Security isn’t as simple as it looks. When you claim benefits — at 62, full retirement age, or 70 — can change your monthly check for life. In this episode, we’ll walk through 7 Social Security rules that often surprise retirees. From how your benefit is really calculated to what happens if you keep working you claim. These aren’t just fun facts, they’re the kind of rules that can shape your income plan for years to come. This Episode Is For You If You're 55+ and wondering when to claim Social Security. You want to avoid delays or mistakes when claiming. You're not sure how income taxes or Medicare premiums will be affected. You want to use your income buckets wisely in retirement. Social Security is one of the few sources of income that’s backed by the government — but how and when you file can help determine your benefit amount. The key is knowing the rules before you make the decision. Chapters 00:00 Social Security Basics 01:50 How Benefits Are Calculated 03:54 The Earnings Test 05:07 How Social Security is Taxed 06:33 Tax Strategy Example 11:14 COLA 11:57 Spousal Benefits 12:52 Survivorship Benefits 14:56 Ex-Spousal Benefits -- Register for our next Journey to Retirement Online Workshop to learn about building a comprehensive retirement plan: https://merkleretirementplanning.com/... Download your copy of the Retiring Today Magazine: https://bit.ly/4nDw5eE Ready to take the next step in planning your retirement? Schedule a RetireReady Call: https://bit.ly/43lusLF 🔔 Don’t forget to like, subscribe, and turn on notifications for more retirement insights! -- Loren Merkle CFP®, RICP®, Certified Financial Fiduciary® https://merkleretirementplanning.com/... Chawn Honkomp CFP®, RICP®, Certified Financial Fiduciary®, CPA® https://merkleretirementplanning.com/... Molly Nelson Host of Retiring Today with Loren Merkle https://merkleretirementplanning.com/... -- This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation. Medicare services provided through MRP Insurance, LLC. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by Elite Retirement Planning, LLC.  MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently we represent [5] organizations which offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.