919-535-8261

The Complete Cardinal Guide

TO PLANNING FOR AND LIVING IN

RETIREMENT

WE HELP YOU EMBRACE THE 7 WORRIES IN RETIREMENT

THE CARDINAL GUIDE TO:

Maximizing Your Social Security Benefit

 You can start collecting reduced Social Security benefits as early as age 62. Full Retirement Age, when you are entitled to full Social Security benefits,  is currently age 66. (It will be increasing to 67 for people born in 1960 or after.) But you can delay staring Social Security until age 70. The longer you hold off, the larger your monthly payments will be.

 Spousal benefits and spousal survivor benefits are affected by the age at which the primary earner starts receiving benefits.

 You will pay income taxes on your Social Security check if your other  income exceeds certain levels.

 If your household relies on two Social Security checks, when the first one of you dies, the survivor will continue receiving the larger of the two checks, and the smaller payment goes away. You can plan to compensate for this income reduction with investments, annuities, or life insurance.

 Social Security planning has long-term care implications. Social Security is the base income used to pay the long-term care bill, and any remaining balance must be made up from other income if you are paying the bill yourself.

 Cardinal can prepare a complimentary Social Security timing report for you – just fill out the form on the bottom of this page!

5 Reasons to Claim Social Security at Age 70

Credit: US News   It's not hard to see the logic. If you wait until you are 70 to take your Social Security benefit, you will receive monthly payments that are 32 percent higher than the benefits you would have received at 66, which is the retirement...

Common Questions Asked About Social Security

CREDIT: Nasdaq By Hans E. Scheil, CFP®, CLU®, ChFC®, CASL® When clients come to us for a financial plan their main goal is to arrange for a secure retirement. Part of that security and a major element for many retirement portfolios is Social Security....

Social Security: What You Should Know

Some of the most important decisions you will make regarding your retirement surround Social Security. Despite this, many in our area, including Raleigh, Cary, and Durham, as well as nationwide, make quick decisions that end up costing them money they...

Avoid Paying More for Medicare by Planning Ahead

Every year, higher-income Medicare beneficiaries receive a letter from Social Security telling them how much Medicare will cost. This letter outlines their income-related Medicare adjustment amount (IRMAA), which occurs if enrolled in Medicare Parts B and D and if...

Useful Documents.

The document below, from the Social Security Administration, presents information regarding retirement benefits.

Read the Social Security chapter from “The Complete Cardinal Guide to Planning for and Living in Retirement”.

Read the Social Security chapter from the accompanying workbook to “The Complete Cardinal Guide”.

Contact Us.

Form Submission - Social Security Page

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Office Locations:

Durham Office
2530 Meridian Parkway, Suite 100
Durham, NC 27713
(919) 535-8269

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8307 University Executive Park Dr, Suite 252
Charlotte, NC 28262
(704) 412-6494

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