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For 2021 in the United States, an average of 65 million people each month will receive a Social Security benefit. That means close to 90% of Americans over the age of 65 receive social security each month.  (Source: Fact Sheet – Social Security, 2021) Yet, Social Security remains one of the least understood and most underutilized benefits available to almost every retiree.

Social Security is based on a simple premise: Throughout your career, you pay a portion of your earnings into a trust fund by paying Social Security or self-employment taxes. Your employer may also contribute an equal amount. In return, you receive certain benefits that can provide income to you when you reach retirement.

However, navigating the world of Social Security can be anything but simple. The benefits you receive depends on several factors including your average lifetime earnings, the age at which you file for social security and the type of benefit for which you are applying. Claiming strategies vary from one individual to the next and many individuals don’t realize what they might be missing out on.

Riley Crosbie, CPA, CFP®, our resident social security and retirement expert recommends that “Any retirement planning should have the goal to align your wealth and your life.” In an effort to provide clarity on the complexities of social security, Riley has put together a series of videos which answer the most Frequently asked questions about Social Security. We recommend all who have questions about Social Security and eligibility take a few minutes to watch these short, yet insightful videos.

Click the link to be taken to these instructional videos now…

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Adams Wealth Management is a registered investment adviser.  Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies.  Investments involve risk and, unless otherwise stated, are not guaranteed.  Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance. 

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