Social Security

How Social Security Benefits Are Calculated — and 5 Strategies to Maximize Them

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Social Security is one of the most valuable yet misunderstood retirement assets. For many households, the difference between an average strategy and an optimized one can amount to tens or even hundreds of thousands of dollars in lifetime benefits. Understanding how benefits are calculated—and how to strategically claim them—can materially improve your retirement outcome. How […]

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Unlocking Social Security: What You Don’t Know Could Cost You

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Check out our focused session on how to make the most of your Social Security benefits. Learn when and how to claim, how spousal and survivor benefits work, the impact of continued work and taxes, and strategies to potentially increase your lifetime payouts. Whether you’re nearing retirement or planning ahead, this webinar will provide practical

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62, 67, or 70—When Should You Apply for Social Security?

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On January 31, 1940, Ida May Fuller of Ludlow, Vermont, was the first person to receive a Social Security check. That historic payment amounted to $22.54. Before retiring in November 1939, she served as a legal secretary and contributed to Social Security for about 2½ years. Total taxes paid: $24.75. Before passing away in 1975, she had

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HWC Financial in the News: Navigating Social Security

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In last week’s edition of The Mountain Times, Kevin unpacked social security, a critical component of many Americans’ financial strategy for retirement. What are the best ways to anticipate and maximize this retirement income source to best enhance our golden years? He addresses key questions, including: How to get the most out of this federal

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Can You Pass this Social Security Quiz?

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Social Security is a source of retirement income for many individuals, but according to Mass Mutual, most Americans fail to demonstrate basic knowledge Social Security benefits. MassMutual used a quiz to test peoples’ knowledge of Social Security retirement benefits and showed that approximately 35% of people age 55 to 65 failed and almost 20% earned

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