Full question: My and I are entering the retirement phase of our life. My wife is 64 and I am 62. We are both still working. We live in NC and we are interested in receiving a consultation in preparation and strategies to applying for our SSA benefits. But I am cautious instead focusing on…

Full Question: I am divorced born after 1954, and was married for more than 10 years. My ex-spouse has remarried while I have not, and while I do have some earnings to claim, claiming as an ex-spouse will provide the higher estimate. My concern is that while I have reached FRA, my ex-spouse won’t for…

Full question: Hello, I was told by an RSSA expert to begin my benefits in Jan. 2024 to avoid being penalized, and possibly losing out on, benefits. I work part-time but my monthly earnings are roughly $3k and the ceiling is around $1770. Should I begin benefits in Jan. 2024 where the first check would…

Full question: My wife is getting Railroad Retirement and is receiving $1,423 a month. Her Social Security statement says that she is eligible for $2,309 a month under Social Security. Can you please tell us what her options are if any at all? Thank you. Hello, Railroad retirement benefits and Social Security claiming strategies can…

Full question: I am 70 and deferred claiming until now, receiving my first check this month. My wife turns 62 this December and we’re trying to determine whether to claim hers at that time or how advantageous it might be to have her wait until 67. Not sure how the spousal benefits rules impact this….

Full question: I currently receive Survivor benefits and I’m wondering what my own Social Security benefit would pay. I am 65 and full retirement age is 66+4. Should I wait until I’m 70 to collect my own and will I ever be able to collect 100% of deceased husbands? Hi there, If you are collecting…