WE HELP YOU EMBRACE THE 7 WORRIES IN RETIREMENT
Social Security.
THE CARDINAL GUIDE TO:
Maximizing Your Social Security Benefit
■ You can start collecting reduced Social Security benefits as early as age 62. However, if you’d like your full Social Security benefits, you’ll have to wait until your Full Retirement Age. Currently the Full Retirement Age is 66, and people born in 1960 or after, it’s 67.
■ You can also delay starting 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’ll 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 one dies, the survivor will continue receiving the larger of the two checks and the smaller check goes away. Investments, annuities, or life insurance can compensate for this income reduction.
Related Blogs.
Social Security Benefits continued.
■ Social Security planning has long-term care implications. It’s the base income used to pay your long-term care bill, and any remaining balance must be made up from other income if you’re paying for these bills yourself. It’s important to plan for this difference accordingly, learn more about long-term care options HERE.
■ Cardinal can prepare a complimentary Social Security timing report for you. Fill out the contact form at the bottom of this page and we’ll get it to you as soon as possible.
Cardinal Lessons with Hans.
Useful Documents.
The document below is from the Social Security Administration. It presents information regarding retirement benefits.
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Office Locations:
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2530 Meridian Parkway, Suite 100
Durham, NC 27713
(919) 535-8261
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8307 University Executive Park Dr, Suite 252
Charlotte, NC 28262
(704) 412-6494
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6520 Airport Center Drive, Suite 100
Greensboro, NC 27409
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