Podcasts about spousal

The hidden complexities of Social Security could cost retirees tens of thousands over a lifetime. While it may seem like a simple income source, the right strategy can dramatically improve your financial security.Claiming isn't one-size-fits-all. Protecting a spouse, guarding against longevity risk, or maximizing investments each call for a different approach. Traditional breakeven analyses often miss key factors like the opportunity cost of using investments while waiting for benefits.Spousal and survivor benefits can be game-changers—especially for couples with different earning histories. Even divorced individuals from long marriages may have powerful options.Taxes add another layer. Up to 85% of your benefits can be taxable, but with smart planning, that burden can shrink. And if you work while claiming early, your benefits may be reduced, erasing the advantage.Most importantly: retiring and claiming benefits are separate decisions. Your Social Security continues to grow whether you work or not, creating opportunities for better coordination across income sources and better after-tax income.Discover how mastering these Social Security secrets can transform your retirement strategy and your peace of mind.-Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Strategy ⬇️ Get Started Here.Join the new Root Collective HERE!

For years, the Windfall Elimination Provision and Government Pension Offset reduced benefits for those who had rightfully earned them. Now that those policies are gone, many are left with questions. Eddie Holland joins us to help clarify what's changed and what it means for your retirement.Eddie Holland is a Senior Private Wealth Advisor and partner of Blue Trust in Greenville, South Carolina. He's also a CPA, a Certified Financial Planner (CFP®), and a Certified Kingdom Advisor (CKA®).A Quick History of WEP and GPOThe Windfall Elimination Provision (WEP), enacted over 40 years ago, reduces Social Security benefits for individuals receiving a non-covered pension—a pension from which no Social Security taxes were withheld. This often included employees in state and local government jobs, such as teachers, police officers, and firefighters.Similarly, the Government Pension Offset (GPO) reduced a spousal or survivor benefit for individuals in the same situation. These rules were designed to prevent “double-dipping,” but they often unfairly penalized modest-income workers, sometimes reducing their monthly Social Security checks by hundreds of dollars—or even eliminating their spousal or survivor benefits entirely.The Social Security Fairness Act of 2025That changed on January 5, 2025, when President Joe Biden signed the Social Security Fairness Act. This legislation repealed both WEP and GPO, effective retroactively as of January 2024. As a result:Nearly 3 million Americans became eligible for retroactive benefits.Future monthly benefits for those affected have also been adjusted upward.This marks a significant win for many retired public servants who had long felt the weight of these provisions.What to Expect if You're AffectedThere are two phases of payments:Retroactive Payments – Starting in March 2025, some individuals received large one-time deposits representing the benefits they should have received since January 2024. These payments often arrived with little to no explanation, leaving many confused. Adjusted Monthly Benefits – Beginning in April 2025, Social Security began increasing ongoing monthly benefits for those impacted.It's important to note that these changes only apply to individuals with a non-covered pension, not all civil service employees.Steps to Take if You Think You QualifyIf you believe these changes may apply to you, Eddie recommends two simple steps:Check Your Account Online. Visit SSA.gov to log in to your account (or create one if you haven't already). Contact the Social Security Administration. If your account doesn't show any updates or you have questions, call 1-800-772-1213 or schedule an appointment at your local SSA office to speak directly with an agent.If navigating these changes feels overwhelming, consider consulting a Certified Kingdom Advisor (CKA) who specializes in matters related to Social Security, who can help you make informed, faith-based financial decisions. You can find one in your area by visiting FaithFi.com and clicking “Find a Professional”. On Today's Program, Rob Answers Listener Questions:I'm 60 years old and planning to retire early at 62. I'd also like to pay off my house before I retire. Is that a smart move, and is it realistic given my current financial situation?I understand that retiring before my full retirement age will result in a reduction of approximately 8% per year in my Social Security benefit. How do Social Security cost-of-living adjustments factor into that reduction?My grandson wants to be added as an authorized user on my credit card to take advantage of my good credit score so he can get a lower interest rate on a car loan. Is that a wise decision?At what age am I required to start taking distributions from my 401(k)? Also, I have two family members—one with dementia and another recovering from a stroke. How can we protect their assets, such as their house and 401(k), if they need long-term care?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Social Security Administration (SSA.gov)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Some retirement options (like 401ks) can only be funded with contributions from income. So where does that leave full-time parents and homemakers? Luckily, there is a solution. Nicole breaks down the retirement option every spouse not earning income needs to know, and even how to include it in a prenup. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments. All investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Public Investing, Inc., member FINRA & SIPC. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. Cryptocurrency trading services are offered by Bakkt Crypto Solutions, LLC (NMLS ID 1890144), which is licensed to engage in virtual currency business activity by the NYSDFS. Cryptocurrency is highly speculative, involves a high degree of risk, and has the potential for loss of the entire amount of an investment. Cryptocurrency holdings are not protected by the FDIC or SIPC.  *APY as of 6/30/25, offered by Public Investing, member FINRA/SIPC. Rate subject to change. See terms of IRA Match Program here: public.com/disclosures/ira-match.

For married couples planning their retirement, understanding spousal Social Security benefits can seem like a labyrinth. This week, I'm answering a listener's question about how spouses can maximize their Social Security benefits. Join me as I break down the key rules, eligibility requirements, and strategies that can help you and your spouse make the most of your benefits over your lifetimes.  Whether you're nearing retirement or still a few years away, I can help you understand primary insurance amounts, full retirement age, and what happens if one spouse claims benefits early. If you want to ensure you and your loved one have a smart plan for Social Security, this episode offers essential insights and actionable advice. You will want to hear this episode if you are interested in... [02:33] Eligible spouses may receive at least half of their partner's full retirement benefit. [05:25] How much of a spousal benefit will you receive?  [07:42] Strategies to manage spousal benefits. [09:54] Spousal benefits are reduced by $1 for every $2 earned over the limit. [10:30] Applying for a spousal benefit. Understanding Spousal and Survivor Social Security Benefits  Spousal benefits exist to ensure that partners in a marriage—including those who spent little or no time in the workforce—can still access a stable retirement income. If you're married, you could be eligible to receive up to half of your spouse's full retirement benefit, commonly referred to as their Primary Insurance Amount (PIA). This benefit is designed for spouses who don't qualify for a significant benefit on their own due to having spent less time in the workforce, perhaps because they were caring for the home or raising a family. At a minimum, every spouse can claim at least 50% of their partner's PIA, but only if their own benefit is less than this amount. This safety net helps ensure that lower-earning spouses are not left without Social Security support in retirement. Eligibility Requirements: Who Qualifies and When? To collect a spousal benefit, several conditions must be met: The Higher-Earning Spouse Must File: You cannot receive a spousal benefit until your spouse has filed for their own Social Security retirement benefit. Minimum Age: The spouse collecting the spousal benefit must be at least 62 years old. Marriage Requirements: You must be legally married, though in some states, common law marriages are recognized. Timing Matters: To collect the full 50%, you must wait until your own full retirement age, which is generally 67 for those born after 1960. Claiming earlier results in a reduced benefit, often as low as 32.5%-37.5% of your spouse's PIA if you file at age 62. For example, in the listener scenario discussed in the episode, the wife began her benefit at 64. Because she started before her own full retirement age, she is only eligible for 37.5% of her husband's benefit—less than half. Strategies for Maximizing Spousal Benefits Determining when to claim Social Security is a nuanced decision: Higher-Earning Spouse Delays, Lower-Earning Spouse Claims Early: Often, the lower-earning spouse might claim their own benefit early, while the higher earner waits until full retirement age or even 70 to claim. This maximizes the survivor benefit for the lower earner, as a widow or widower can "step up" to the deceased spouse's higher benefit. Cost of Living Adjustments (COLA): Increases in Social Security benefits due to COLA apply both to individual and spousal benefits. Because COLA is a percentage, it may cause dollar amounts to shift, but it will not change the eligibility for claiming spousal benefits unless there is a significant gap. Survivor Benefits: If the higher earner passes away, the surviving spouse can "take over" the higher benefit. This makes it advantageous for the higher earner to delay benefits if the couple is concerned about long-term financial security. How to Apply for Spousal Benefits Applying is straightforward and can be done online at SSA.gov, by calling the Social Security office, or in person. Be prepared to provide proof of age, a marriage certificate, and possibly your spouse's work records. Maximizing Social Security as a couple comes down to knowing the rules, timing your decisions, and using strategic thinking to boost your household's retirement income. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  Benefits for Spouses  Collecting Divorced Social Security Benefits Ep41 Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

Difference in premiums with Medicare Supplements. Importance of Callbacks.  Rite Aid closures.  Cuts to Medicare.  Spousal discounts.

Welcome back to another edition of Women and Wealth!    This week, Regina circles back to social security but with a twist: What do your benefits look like when you're divorced? From qualifying for the benefits themselves, to the requirements and special circumstances you may find yourself in – Regina is breaking down all the ins and outs when it comes to your (ex) spouse – as well as some pointers on how you should be approaching social security, and on a larger scale, retirement. Episode Highlights:   0:00 - Introduction 1:15 - Requirements to receive an (ex) spouse's benefit 3:05 - Switching over to survivor benefits 4:10 - Divorced spouse benefit 6:10 - “Does my ex spouse need to apply for…” 6:40 - Do you need to tell your ex-spouse? 9:49 - Qualifying for spousal benefits, “full retirement age” 17:12 - Can you start one benefit and then switch to another? 18:28 - Survivor benefits (if my ex is deceased) 20:03 - Spousal vs. survivor benefits 22:21 - More specific questions 27:35 - Earnings limits (under full retirement age) 29:35 - Episode wrap-up ABOUT REGINA MCCANN HESS   Regina is the author of Super Woman Wealth: How to Become Your Own Financial Hero.  As an advocate for women's financial freedom, she wrote this book to help empower women to take a bigger role in handling their money.     Regina has appeared on Schwab TV, Yahoo Finance, Forbes.com, NTD Television, CBS 3 Philadelphia, Fox 29 Philadelphia, King 5 Seattle, KTLA 5 Los Angeles and Scripps News.  She has also been quoted in numerous articles in publications such as Forbes, Business Insider, U.S. News & World Report, Yahoo Finance, USA Today, USA Wire, Word in Black, WTOP News, Mind Body Green, Money Digest, New York Post, Defender, Authority Magazine, GoBankingRates.com, Scripps and The Muse.   As Founder of Forge Wealth Management, Regina utilizes her 25+ years of financial services experience to help individuals plan, preserve and diversify their wealth.  She focuses on educating her clients while building long-term relationships with them and their families.  Her experience throughout major shifts in the markets, enables Regina to structure balanced portfolios to address specific financial goals. CONNECT WITH REGINA   Website: https://www.forgewealth.com LinkedIn: https://www.linkedin.com/in/reginamccannhess/ Facebook: https://www.facebook.com/ForgeWealth Instagram: https://www.instagram.com/forgewealthmanagement/ YouTube: https://www.youtube.com/@ForgeWealth Email: reginahess@forgewealth.com   Securities offered through LPL Financial, Member FINRA/SIPC www.finra.org, www.sipc.org Third-party posts found on this profile do not reflect the view of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. For a list of states in which I am registered to do business, please visit www.forgewealth.com.   This material was prepared by MFS Investment Management. MFS Investment Management is not affiliated with Forge Wealth Management, Private Advisor Group, or LPL Financial.

Guest Bio: Heather Kolb is the Associate Director of Product Development and a neuroscience professional for Pure Desire. She has a Bachelor's degree in Psychology, a Master's degree in Criminal Behavior, and is a certified Pastoral Sex Addiction Professional (PSAP) through the International Institute for Trauma and Addiction Professionals (IITAP). Heather has been trained in the Multidimensional Partner Trauma Model (MPTM) through The Association of Partners of Sex Addicts Trauma Specialists (APSATS). She worked several years as a college professor prior to joining Pure Desire. She is also a speaker and contributing author to Digital Natives: Raising an Online Generation, Unraveled: Managing Love, Sex, and Relationships, Betrayal & Beyond, and Authentically You.   Show Summary: When was a moment in your life when you felt betrayed? Heather Kolb was in the thick of parenting young children when she found out her husband was being dishonest with her and battling sexual addictions. Scared and heartbroken, Heather stepped away from the church and managed things on her own until she found Pure Desire Ministries. Join hosts Elisa Morgan and Eryn Eddy Adkins as they hear from Heather about her story and discover how we can recover from patterns of addiction during this God Hears Her conversation.  Notes and Quotes:  “My life felt out of control, and yet I had been doing all the things that I had been taught to do in the church. I had been praying and reading my Bible and waiting for God to deliver me from this unbearable situation, and [what I had prayed for] happened, but it didn't happen the way that I prayed for it to.” —Heather Kolb  “There are parts of my story that I wish I had answers to and I don't have any closure on. But I do know that God held me through—even when making bold decisions that other people disagreed with.” —Eryn Eddy Adkins  “What are those core messages, the negative core beliefs that you have about yourself?” —Heather Kolb  “When discovery or disclosure [of a sexual addiction] happens, you are walking into the middle of a story.” —Heather Kolb  "The best way to find healing for yourself—not even for the marriage, because that decision might come later—is to find safety and stability and reclaim your identity in Christ by joining a group of other women who are walking a similar road of healing.” —Heather Kolb  “I kept silent, I quietly left the church, I didn't tell anyone. That piece of it really left a hole in my heart for a lot of years because I couldn't trust anyone.” —Heather Kolb  “[A safe group of women] is going to be the thing that helps you to build safety and stability, not only for your marriage but for you—as a person and as a daughter of Christ—to find who you are in the midst of this messiness.” —Heather Kolb  Related Episodes: GHH Ep 145 – Sitting on the Sidelines with Bethany Toney: https://godhearsher.org/podcast/sitting-on-the-sidelines/ GHH Ep 168 – Walking Through Infidelity with Jami Nato: https://godhearsher.org/podcast/walking-through-infidelity/ GHH Ep 196 – Seeking Pure Desires with Ashley Jameson: https://godhearsher.org/podcast/seeking-pure-desires/  Links:  Pure Desire Ministries Website: https://puredesire.org/ Pure Desire Ministries Instagram: https://www.instagram.com/puredesirepdmi/ Pure Desire Ministries Facebook: https://www.facebook.com/PureDesirePDMI/ Unshakable Moxie BOGO Deal: https://go.odb.org/bogoGod Loves Her Devotional: https://a.co/d/7F8R0qCGod Hears Her Instagram: https://www.instagram.com/godhearsher/?hl=en God Hears Her Facebook: https://www.facebook.com/GodHearsHer God Hears Her website: https://go.odb.org/ghh191  Subscribe to the God Hears Her YouTube channel: https://www.youtube.com/@GodHearsHerODBM Share Your Story:  https://godhearsher.org/share-your-story/ God Hears Her email sign-up: https://go.odb.org/ghh-sign-upsfmc191  Subscribe on iTunes! https://podcasts.apple.com/us/podcast/god-hears-her-podcast/id1511046507?utm_source=applemusic&utm_medium=godhearsher&utm_campaign=podcast Shop God Hears Her books and resources: https://go.odb.org/ghh-shop191  Unshakable Moxie Series: https://read.odb.org/unshakable-moxie/ Elisa's Instagram: https://www.instagram.com/elisamorganauthor/ Eryn's Instagram: https://www.instagram.com/eryneddy/ Vivian's Instagram: https://www.instagram.com/vivmabuni/ Our Daily Bread Ministries website: https://go.odb.org/odbm191  

Do you have a client that has a difficult spouse? In this episode of The Financial Coaches Podcast Cody shares a case study of a client that he is working with that has a spouse that is not working the plan at all, and may even be financially abusing their partner. The hosts talk through the situation and give their perspectives.

Guest Bio: Heather Kolb is the Associate Director of Product Development and a neuroscience professional for Pure Desire. She has a Bachelor's degree in Psychology, a Master's degree in Criminal Behavior, and is a certified Pastoral Sex Addiction Professional (PSAP) through the International Institute for Trauma and Addiction Professionals (IITAP). Heather has been trained in the Multidimensional Partner Trauma Model (MPTM) through The Association of Partners of Sex Addicts Trauma Specialists (APSATS). She worked several years as a college professor prior to joining Pure Desire. She is also a speaker and contributing author to Digital Natives: Raising an Online Generation, Unraveled: Managing Love, Sex, and Relationships, Betrayal & Beyond, and Authentically You.   Show Summary: When was a moment in your life when you felt betrayed? Heather Kolb was in the thick of parenting young children when she found out her husband was being dishonest with her and battling sexual addictions. Scared and heartbroken, Heather stepped away from the church and managed things on her own until she found Pure Desire Ministries. Join hosts Elisa Morgan and Eryn Eddy Adkins as they hear from Heather about her story and discover how we can recover from patterns of addiction during this God Hears Her conversation.  Notes and Quotes:  “My life felt out of control, and yet I had been doing all the things that I had been taught to do in the church. I had been praying and reading my Bible and waiting for God to deliver me from this unbearable situation, and [what I had prayed for] happened, but it didn't happen the way that I prayed for it to.” —Heather Kolb  “There are parts of my story that I wish I had answers to and I don't have any closure on. But I do know that God held me through—even when making bold decisions that other people disagreed with.” —Eryn Eddy Adkins  “What are those core messages, the negative core beliefs that you have about yourself?” —Heather Kolb  “When discovery or disclosure [of a sexual addiction] happens, you are walking into the middle of a story.” —Heather Kolb  "The best way to find healing for yourself—not even for the marriage, because that decision might come later—is to find safety and stability and reclaim your identity in Christ by joining a group of other women who are walking a similar road of healing.” —Heather Kolb  “I kept silent, I quietly left the church, I didn't tell anyone. That piece of it really left a hole in my heart for a lot of years because I couldn't trust anyone.” —Heather Kolb  “[A safe group of women] is going to be the thing that helps you to build safety and stability, not only for your marriage but for you—as a person and as a daughter of Christ—to find who you are in the midst of this messiness.” —Heather Kolb  Related Episodes: GHH Ep 145 – Sitting on the Sidelines with Bethany Toney: https://godhearsher.org/podcast/sitting-on-the-sidelines/ GHH Ep 168 – Walking Through Infidelity with Jami Nato: https://godhearsher.org/podcast/walking-through-infidelity/ GHH Ep 196 – Seeking Pure Desires with Ashley Jameson: https://godhearsher.org/podcast/seeking-pure-desires/  Links:  Pure Desire Ministries Website: https://puredesire.org/ Pure Desire Ministries Instagram: https://www.instagram.com/puredesirepdmi/ Pure Desire Ministries Facebook: https://www.facebook.com/PureDesirePDMI/ Unshakable Moxie BOGO Deal: https://go.odb.org/bogoGod Loves Her Devotional: https://a.co/d/7F8R0qCGod Hears Her Instagram: https://www.instagram.com/godhearsher/?hl=en God Hears Her Facebook: https://www.facebook.com/GodHearsHer God Hears Her website: https://go.odb.org/ghh191  Subscribe to the God Hears Her YouTube channel: https://www.youtube.com/@GodHearsHerODBM Share Your Story:  https://godhearsher.org/share-your-story/ God Hears Her email sign-up: https://go.odb.org/ghh-sign-upsfmc191  Subscribe on iTunes! https://podcasts.apple.com/us/podcast/god-hears-her-podcast/id1511046507?utm_source=applemusic&utm_medium=godhearsher&utm_campaign=podcast Shop God Hears Her books and resources: https://go.odb.org/ghh-shop191  Unshakable Moxie Series: https://read.odb.org/unshakable-moxie/ Elisa's Instagram: https://www.instagram.com/elisamorganauthor/ Eryn's Instagram: https://www.instagram.com/eryneddy/ Vivian's Instagram: https://www.instagram.com/vivmabuni/ Our Daily Bread Ministries website: https://go.odb.org/odbm191  

Facing the possibility that you or your spouse might need nursing home care is daunting enough without the added stress of potential financial ruin. The stark reality—nursing homes cost between $10,000 and $15,000 monthly—means even substantial estates can be rapidly depleted, leaving a healthy spouse vulnerable.In this deeply informative conversation, Elder Law attorney Greg McIntyre and his colleague Jane Dearwester demolish common misconceptions about spousal protection while revealing powerful strategies to preserve assets. The duo emphasizes that marriage alone doesn't grant financial authority over a spouse's assets—a dangerous assumption many couples make. They detail why a comprehensive general durable power of attorney with specific gifting provisions serves as the essential "linchpin" for any protection plan.The attorneys explain two game-changing tools most people never hear about: Lady Bird deeds and Medicaid Asset Protection Trusts. Lady Bird deeds offer immediate home protection without Medicaid's five-year look-back period—allowing you to maintain complete control of your property while shielding it from recovery. For broader asset protection, irrevocable trusts create crucial separation between you and your assets while still allowing you to receive income benefits. As Greg explains, "You get the benefits as the lifetime income beneficiary and you get the benefit of the long-term care benefit. It's just a win-win."With 70% of people over 65 eventually needing long-term care, preparation isn't optional—it's essential. Take the first step toward protecting your spouse and preserving your legacy by scheduling a free consultation at mcelderlawcom/scheduling or calling 1-888-999-6600.

This conversation provides a comprehensive overview of evidentiary privileges, focusing on attorney-client privilege and the work product doctrine. It explores the nuances of these privileges, including their application in corporate settings, the fiduciary exception, and the roles of lawyers and their agents. The discussion also addresses the complexities of communication components, common interest doctrines, exceptions, waivers, and the burden of proof in privilege claims. The conversation emphasizes the importance of understanding these principles for effective legal representation and navigating the challenges of litigation.TakeawaysUnderstanding evidentiary privileges is essential for legal practice.Attorney-client privilege encourages open communication between clients and lawyers.The work product doctrine protects materials prepared in anticipation of litigation.Corporate clients present unique challenges regarding privilege.The fiduciary exception can redefine who holds privilege.Lawyers' agents can play a crucial role in maintaining privilege.Communication components determine what is protected under privilege.Common interest doctrine allows sharing of privileged information but carries risks.Waivers can occur inadvertently, complicating privilege claims.The burden of proof for privilege claims typically lies with the asserting party.attorney-client privilege, work product doctrine, legal ethics, evidentiary privileges, corporate law, fiduciary exception, legal representation, confidentiality, privilege waivers, legal education

Artificial intelligence isn't just a buzzword anymore. It's driving market highs, reshaping industries, and sparking debate about whether it's a bubble or a lasting revolution. In this week's Money Hour, Jeremiah and Nic talk about how AI could impact investments, jobs, and even wages. They explore where AI already outperforms humans and why emotional intelligence may be the skill that keeps you relevant in the workplace. The guys also unpack the latest updates on Social Security, clarifies common misconceptions about spousal and survivor benefits, and explains why relying on the SSA for advice could cost you. Plus, they highlight big changes coming out of the “Big Beautiful Bill,” including new opportunities with 529s, the rollout of “Trump Accounts” for kids, and tax code updates that could save retirees thousands.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Host: Jeremiah Bates & Nic Daniels

In this episode, financial advisors and retirement planners Jim Martin & Casey Bibb of Martin Wealth Solutions continue their deep dive into Social Security, focusing on strategies to maximize your benefits. They discuss the importance of understanding your full retirement age, the impact of claiming early or delaying, and how spousal and survivor benefits can play into your plan. Jim & Casey also cover taxation of benefits, coordination with other income sources, and key mistakes to avoid. This episode offers practical, clear guidance to help you make the most of your Social Security decisions. Want to work with us? Visit: http://retirewithmartin.com/ Learn more: www.planwellretirehappy.com 00:00 Introduction to Today's Topic 00:38 Review of Social Security Basics from Part 1 02:14 Full Retirement Age and Its Impact 04:56 Early Claiming: Pros, Cons, and Long-Term Effects 08:20 Delaying Benefits for Higher Payouts 11:05 Spousal and Survivor Benefits Explained 15:32 Taxation of Social Security Benefits 18:45 Coordinating Social Security with Other Income 22:10 Common Mistakes and How to Avoid Them 25:54 Final Thoughts and Next Steps Opinions expressed herein are solely those of Martin Wealth Solutions, unless otherwise specifically cited. Material presented is believed to be from reliable sources, but no representations are made by our firm as to another parties' informational accuracy or completeness. Content provided herein is for informational purposes only and should not be used or construed as investment advice or a recommendation regarding the purchase or sale of any security. There is no guarantee that any statements, opinions or forecasts provided herein will prove to be correct. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation. Past performance may not be indicative of future results. Indices are not available for direct investment. Any investor who attempts to mimic the performance of an index would incur fees and expenses which would reduce returns. Securities investing involves risk, including the potential for loss of principal. There is no assurance that any investment plan or strategy will be successful.

Is Spousal Approval Necessary for Family Support?

We go inside the the enormity, complication, and notoriety of the BEZOS PRE-NUP AGREEMENT with divorce attorney, MARILYN CHINITZ of BLANK ROME. https://youtu.be/nMMp6He056Y https://open.spotify.com/episode/39KMPMRhwGfYbdZVMJHEan?si=36c5c8a927bf4a6f Outline of the ISSUES INSIDE the BEZOS PRE-NUP General Concepts What happens without a pre-nup? Process for disclosing assets Previous marriages and those pre/post-nups? Community vs Equitable Distribution (Does the Pre-Nup contract this away?) Separate property Outside trusts?  Estate Planning? Pre-nup vs ultra high net worth pre-nup Financial Considerations (and Complication) Non-Financial- NDA, media activity, scope of negotiations, data and tech issues Let's go through the General Fact Pattern High Profile Asymmetric Net Worths Kids? Which state is used for choice of law? Portability?  How do you make sure this has teeth?  (Coercion penalties) Spousal support / alimony? Escalator or sunset clauses? Disqualifying or  "infidelity" or "weight gain" clauses? What happens if children? Other constituencies - charities, businesses, political causes etc  Integration with estate documents, life insurance, other vehicles Is there a check-in every five years? What else can we learn from what is inside the Bezos Pre-Nup? Transcript Frazer Rice (00:02.07) - Inside the Bezos Pre-Nup Welcome aboard, Marilyn. Marilyn Chinitz (00:04.088) Thank you, really nice to be here and nice to talk to you about what's inside the Bezos Pre-Nup. Frazer Rice (00:07.541) We sort of regaled ourselves with a mutual friend and we're already, I feel like we're already related. That's right. So we're going to talk a little bit about probably one of the highest profile marriages in the world that just happened with the Bezos Sanchez union and get inside the Bezos pre-Nup. But for just for a little bit here, let's talk about what happens in a sort of family law divorce setting. Marilyn Chinitz (00:13.39) Your best and glorious buddies are ready. Frazer Rice (00:35.232) With general concepts because we're going to be diving into some specifics with the case study here. What happens when something goes wrong and we have a divorce that happens without a prenup? Marilyn Chinitz (00:46.734) So it depends what state you're in. If you're in a state like New York, then we have equitable distribution laws. If you're in a state like community property in California, then those laws are very different. So if you have no prenup, and a lot of people don't because they start their marriage with very little assets, and everything that you acquired during your marriage is now subject to a division. Frazer Rice (00:49.569) Of course. Marilyn Chinitz (01:15.918) And what happens is you start to trace the assets and you look at, what do I have? You look at homes that you purchase, real estate that you purchase, stocks, securities that you purchased. It doesn't matter in whose name the asset is held. It's a marital asset if it was acquired during the marriage and it was not gifted or inherited. If you come into the marriage with assets and you have no prenuptial agreement and you keep those separate property assets clean, and I'll explain what that means. When they go up in value because you actively caused their appreciation, they may be subject to a marital claim, the appreciation aspect. If you… have an asset that went up in value because of passive reasons and you kept that asset separate, it will remain separate property. So let's talk about an example. If I owned a building before I got married and that building was worth five million dollars and then I get married and years later I get divorced, that building is now worth twenty million dollars. It appreciated by 15 million. Did it appreciate because of market fluctuation, because the market went up, real estate did better?

Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereIs using the Smith Manoeuvre actually the smartest strategy for your family's financial future—or just a well-known tactic that needs deeper thought?If you're earning a strong income, filling up your RRSPs, and asking “now what?”, you're not alone. Many high earners in Canada hit a ceiling when it comes to traditional tax-advantaged accounts—and they're left wondering how to structure their wealth more efficiently. In this episode, Kyle Pearce and Jon Orr walk through a real listener case study that exposes the blind spots, tax traps, and strategic decisions facing Canadian professionals trying to hit their retirement goals without losing half their income to taxes.You'll discover:Why simply maximizing your RRSP isn't enough—and how to think beyond the basicsThe real pros and cons of using the Smith Manoeuvre in your name vs. your spouse'sHow to balance today's tax savings with tomorrow's income-splitting strategy for retirementReady to move from tax confusion to tax confidence? Hit play and learn how to make smarter wealth-building moves with the income you've already got.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle…taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.Unlocking financial freedom in Canada starts with more than just saving—it demands a strategic blend of wealth optimization, tax-efficient investing, and a clear financial vision setting that aligns with your lifestyle and goals. Whether you're a high-income earner, entrepreneur, or family focused on building long-term wealth in Canada, understanding tools like the Smith Maneuver, RRSP optimization, and capital gains strategies is essential. This episode explores how smart investment structures, corporate wealth planning, and personal vs corporate tax planning cReady to connect? Text us your comment including your phone number for a response!Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

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Send us a textThe Social Security Fairness Act eliminates the unfair Windfall Elimination Provision that prevented public service workers from receiving their full Social Security benefits despite paying into the system.• Nearly 2 million Americans including teachers, firefighters, and public sector employees can now receive previously reduced or denied benefits• Workers who already receive some benefits will automatically see increases of $300-$700 monthly• Those previously denied benefits entirely could receive around $1,500 monthly• Eligible recipients can file for retroactive benefits back to January 2024 using form SSA-561• Apply online at ssa.gov if you've never received benefits or were previously denied• Spousal or survivor benefits may require in-person or mail application• Consult your tax professional about handling lump sum and retroactive payments• Even if previously denied, public service workers should reapply under the new lawPlease share this episode with anyone who works in public service or has family members who might benefit from these important changes to Social Security benefits.Create a STAN Store - Click here to try it out!Here's where you can find us! Follow along on Instagram for lots of free content for business owners daily!Shop our business guides!Our Instagram PageOur family page

Fr. Patrick preached this homily on July 5, 2025. The readings are from Genesis 27:1-5, 15-29, Psalm 135:1b-2, 3-4, 5-6 & Matthew 9:14-17. — Connect with us! Website: https://slakingthirsts.com/ Youtube: https://www.youtube.com/channel/UCytcnEsuKXBI-xN8mv9mkfw

In this episode of Saving With Steve, host Steve Sexton is joined by, Paige Harley, an accomplished mediator, and coach who specializes in helping individuals navigate divorce, post-loss adjustment, and the complex realities of solo-parenting and co-parenting.   They discuss how to rebuild financial stability after divorce or spousal loss, legal risks and housing issues often overlooked during major life transitions, strategies for de-escalating conflict and avoiding expensive legal battles, and more. Paige shares realistic and empowering guidance for anyone looking to rebuild their financial footing after a profound loss, because healing your finances is often the first step in healing your future.   Learn more about the show at www.SavingWithSteve.us

Today we answer a question from Ken, a recent retiree at 63, about how his Social Security claiming decision impacts his wife's future spousal benefit. We break down how spousal benefits are calculated, whether the FRA (Full Retirement Age) amount is frozen when you claim early, and how COLA (Cost of Living Adjustments) factor into the equation. Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms. 

Inheriting money from your spouse is a pretty straightforward process, but when money is passed down from parents or other family members, the rules get a bit more complicated. Donna and Nathan discuss the process of distributing assets from a non-spousal inheritance. Also on MoneyTalk, Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 7/1/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

The age pension can be a crucial part of the financial mix in retirement, but many retirees aren’t unlocking its full potential. On this episode of the Friends With Money podcast, Money’s Tom Watson is joined by Andrew Dinsdale-Scanlon from TelstraSuper Financial Planning to run through the financial strategies that could help Australians maximise their age pension entitlements. 00:00 Introduction 00:41 Overview on maximising the age pension 01:48 Strategies to reduce assets 03:31 Spousal contributions 05:13 Understanding lifetime pensions 08:07 The impact of debt on the age pension 09:49 Conclusion #friendswithmoney #tomwatson #andrewdinsdalescanlon #agepension #superannuation Listen on Apple Podcasts Listen on Spotify Money Website YouTube Podcast Playlist Email Us: podcast@moneymag.com.au Get stories like this in our newsletter: bit.ly/3GDirbR *Proudly brought to you by Telstra Super Disclaimer:Andrew Dinsdale-Scanlon is a financial adviser with Telstra Super Financial Planning Pty Ltd ABN 74 097 777 725 AFS Licence No. 218705. TelstraSuper Financial Planning provides financial advice service to members of TelstraSuper ABN 85 502 108 833. Telstra Super Pty Ltd ABN 86 007 422 522 is the trustee of TelstraSuper and wholly owns TelstraSuper Financial Planning. Advice that Andrew gives is of a general nature and does not take into account the particular circumstances or needs of any specific person and because of that, you should consider your own circumstances before acting on any advice . Additionally, the scenarios discussed are based on the relevant superannuation rates and thresholds for 2024/25 and may change in future years. If you are considering acquiring a financial product from TelstraSuper you should read the relevant product disclosure statement and target market determination before making a decision which are available at www.telstrasuper.com.au. The financial services guide for TelstraSuper Financial Planning is available at www.telstrasuper.com.auSee omnystudio.com/listener for privacy information.

Systems are in place for a reason! This week's location: La Doña Cervecería The post Ep. 769 – Spousal Candy Dispersal first appeared on Fancy Pants Gangsters.

Most people treat Social Security as a fixed outcome, just another box to check when retirement arrives. Select an age, complete the form, and proceed. But the truth is, your choices around Social Security can unlock, or quietly erase, tens of thousands of dollars over time. The timing of your claim, whether you're still working, your marital history, even how you coordinate with your spouse's benefit… it all matters. And yet, plenty of financial advisors either avoid the topic or admit they don't know how the system works. That leaves you on your own to navigate rules that weren't designed to be intuitive, and change more often than most people realize. We're walking through the kinds of Social Security questions that don't get answered anywhere else. From how remarriage changes your options, to what really happens when you claim while still working, to why your savings could shrink faster than expected, these aren't niche hypotheticals. They're decisions with long-term effects, and it's time more people knew what's really at stake. You will want to hear this episode if you are interested in... (00:00) The Social Security Surprises That Could Cost You Thousands. (04:11) What your advisor might not know (but should) about Social Security. (06:25) The earnings test demystified through a real-life example. (09:39) Spousal, ex-spousal, and survivor benefits: who qualifies and when. (14:57) Major policy changes: The Fairness Act and unexpected lump sum payouts. (26:20) Legal custody, grandchildren, and overlooked Social Security benefits. Resources & People Mentioned 3 Steps to Retirement Planning https://www.retirestrongfa.com https://www.ssa.gov Connect With Gregg Gonzalez Email at: Gregg.gonzalez@lpl.com Podcast: https://RetirementMadeEasyPodcast.com Website: https://StLouisFinancialAdvisor.com Follow Gregg on LinkedIn Follow Gregg on Facebook Follow Gregg on YouTube   Subscribe to Retirement Made Easy On Apple Podcasts, Spotify, Google Podcasts

Systems are in place for a reason! This week's location: La Doña Cervecería The post Ep. 769 – Spousal Candy Dispersal first appeared on Fancy Pants Gangsters.

Jim and Chris shares listener PSAs on IRMAA and Delayed Retirement Credits, and answer questions on Social Security Spousal Benefits, annuity use cases, and fixed indexed annuity payout concerns. (13:00) A listener shares a PSA about a positive Medicare and IRMAA reduction experience at a Central Florida SSA office. (19:00) Georgette follows up with a […] The post PSAs, Spousal Benefits, Annuity Use Cases, and FIAs: Q&A #2526 appeared first on The Retirement and IRA Show.

See omnystudio.com/listener for privacy information.

As much as we love our spouse, there are just some things they do that give us "the ick" - the gross feeling that is an immediate turnoff. In this episode, Jordan and Rosanna confess their icks to one another and share how they like to broach the subject. 

In this episode, Lesley Logan highlights stories of women using power for good, from world-changing philanthropists to unsung heroes like Marty Goddard. She also shares community wins and a personal productivity breakthrough that proves how small changes lead to big results. If you have any questions about this episode or want to get some of the resources we mentioned, head over to LesleyLogan.co/podcast. If you have any comments or questions about the Be It pod shoot us a message at beit@lesleylogan.co.And as always, if you're enjoying the show please share it with someone who you think would enjoy it as well. It is your continued support that will help us continue to help others. Thank you so much! Never miss another show by subscribing at LesleyLogan.co/subscribe.In this episode you will learn about:How the world's richest women are quietly creating real impact.Marty Goddard's invention of the rape kit and why her story matters.How staying top of mind helps Tami-Adrian land another podcast feature.Lesley shares how she simplified her inbox and saved hours of work.Why small wins and consistent action add up to lasting change.Episode References/Links:Laura Craik's Article - https://beitpod.com/lauracraikBuy Back Your Time by Dan Martell - https://a.co/d/cMHFKJR If you enjoyed this episode, make sure and give us a five star rating and leave us a review on iTunes, Podcast Addict, Podchaser or Castbox. https://lovethepodcast.com/BITYSIDEALS! DEALS! DEALS! DEALS! https://onlinepilatesclasses.com/memberships/perks/#equipmentCheck out all our Preferred Vendors & Special Deals from Clair Sparrow, Sensate, Lyfefuel BeeKeeper's Naturals, Sauna Space, HigherDose, AG1 and ToeSox https://onlinepilatesclasses.com/memberships/perks/#equipmentBe in the know with all the workshops at OPC https://workshops.onlinepilatesclasses.com/lp-workshop-waitlistBe It Till You See It Podcast Survey https://pod.lesleylogan.co/be-it-podcasts-surveyBe a part of Lesley's Pilates Mentorship https://lesleylogan.co/elevate/FREE Ditching Busy Webinar https://ditchingbusy.com/ Resources:Watch the Be It Till You See It podcast on YouTube! https://www.youtube.com/channel/UCq08HES7xLMvVa3Fy5DR8-gLesley Logan website https://lesleylogan.co/Be It Till You See It Podcast https://lesleylogan.co/podcast/Online Pilates Classes by Lesley Logan https://onlinepilatesclasses.com/Online Pilates Classes by Lesley Logan on YouTube https://www.youtube.com/channel/UCjogqXLnfyhS5VlU4rdzlnQProfitable Pilates https://profitablepilates.com/about/ Follow Us on Social Media:Instagram https://www.instagram.com/lesley.logan/The Be It Till You See It Podcast YouTube channel https://www.youtube.com/channel/UCq08HES7xLMvVa3Fy5DR8-gFacebook https://www.facebook.com/llogan.pilatesLinkedIn https://www.linkedin.com/in/lesley-logan/The OPC YouTube Channel https://www.youtube.com/@OnlinePilatesClasses Episode Transcript:Lesley Logan 0:00  It's Fuck Yeah Friday. Brad Crowell 0:01  Fuck Yeah. Lesley Logan 0:05  Welcome to the Be It Till You See It podcast where we talk about taking messy action, knowing that perfect is boring. I'm Lesley Logan, Pilates instructor and fitness business coach. I've trained thousands of people around the world and the number one thing I see stopping people from achieving anything is self-doubt. My friends, action brings clarity and it's the antidote to fear. Each week, my guest will bring bold, executable, intrinsic and targeted steps that you can use to put yourself first and Be It Till You See It. It's a practice, not a perfect. Let's get started.Lesley Logan 0:48  Hi, Be It babe. How are you? How's it going? Welcome to the Be It Till You See It podcast, the Fuck Yeah Friday podcast. We talk about what is a win and we celebrate things that inspire us, and we have a mantra, and then we go about our day. So here we go, our win, or the inspiration, actually. The, well, I think this is a win too. So the inspiration that I found on the internet that really like made me happy. This, maybe, maybe it will make other people happy, but I love this. The title is What the World's Richest Men Could Learn From the World's Richest Women. And this is from Reshma's Instagram account, and Reshma had the bike face talk I'm pretty sure, and I really love her. So instead of fixating on power, living forever and winning the space race, Melinda French Gates, Laurene Powell Jobs, Anne Wojcicki and Mackenzie Scott are quietly trying to make the world a better place. So this goes on and talks about all the different things that these women are doing, but I just think, like, these ladies, I know, I bet you know their last names, these are our five richest women in the world, and they are doing epic, epic things from with the money that they have, and they're not doing anything to tear people down, to tear down a group of people. They're actually using their money for good. And so I truly, truly love that. These women are doing great things and so you should definitely look them up. There's an article from Laura Craick that was posted on February 5th 2025 so if you want to dive in more to what they're doing, and if you want to learn more about Reshma, I highly recommend it, because she talks a lot about worrying, about being, like, I only have a few minutes to say everything I was gonna say, and then, like, learning and meeting all these male CEOs and going, wait, you run this company, I can run circles around you, like, so it's just, I don't know. I found it really inspiring and I hope that you do, too. So go check that out. And let's all be more obsessed with what these women are doing, because I think that that's going to make us feel a whole lot better in this world with all that's going on. And let's be impressed and empowered and, and all the things from them. And then I'm going to give you one more thing, and I'm going to go into your wins. Lesley Logan 2:53  So meet Marty Goddard, the woman who invented the rape kit, while she didn't receive credit for her work, shocking, she revolutionized sexual assault forensics. Yeah. So get this, in the 1970s, few women felt safe. There's tons of sexual abuse. Spousal rate was still, was still legal, freaking crazy, until 1993. Let's not go into that, that's going to depress us all. But Marty Goddard was a volunteer for a phone hotline for runaway teens in Chicago. Many callers reported sexual abuse, but not necessarily to the police. Marty took upon herself to further investigate cases by visiting crime labs and hospitals, interviewing as many people as possible. And a standard was set. In doing this, she developed a standard by which evidence is collected following a rape. Her evidence collection kit included basic supplies, cotton swabs, a comb, paper bags, labeled envelopes and glass slides for semen specimens, plus protocols, forms and resources for victims, its simplicity made it affordable, replicable and the more likely to be adopted. The kit opened doors to our understanding of victims and abuse. In other words, these cases are no longer had to be a "he said, she said" sort of thing. She was not given credit. Under the nonprofit Goddard was running, the kit was trademarked as the the "Vitullo Evidence Collection Kit for Sexual Assault Examination." She routinely worked very closely with the police department order to make the progress she did, and an effort to not ruffle any feathers, gave the kit the name after police sergeant, Louis Vitullo. Newspapers credited Louis Vitullo, often reducing Marty Goddard to his assistant or ignoring her entirely. But she didn't chase recognition. She channeled her energy into expanding the kit's reach because impact mattered to her more than credit. So why it matters? The mention of the rape kit has helped countless victims find justice. Survivors still fight to be heard, but rape kits provide crucial evidence that strengthens their case. Hundreds of thousands of untested rape kits sit in a police storage. Goddard gave us a tool to fight for justice. It's up to us to push that fight forward with legislative reform funding and by holding law enforcement accountable for processing evidence in a timely manner. So you guys, we do have some work to do there. I would highly recommend calling your local people and like making sure that they're funding these things. But I just thought, how cool is this person? Like she was more she was more obsessed with getting people to adopt this kit and use it so people, victims, could actually get help. So it won't be a "he said, she said" and now she's getting the recognition that she deserves. Very, very cool. Lesley Logan 5:06  Okay, let's go and do a win of yours. So this is from Tami-Adrian George, and she said, a podcast about pickleball reached out to me to be my guest with my topic, Pilates for Players. The invite is a win by itself. And they why they contacted me is its own win. A second host from a completely different topic and show, I guess it's over a year ago, suggested my name with a lovely glow up. Like LL and Brad have said and has mentioned in many webinars, always about keeping in touch. I would comment on the second host post, listen to an episode and comment maybe three or four times a year and they remembered. And when I asked my college boy which friend group he'd be with and where they were going for spring break, he said he just really wants to come home and eat my cooking and curl up with his cats and chill. So cue the mommy tears. You know, I bought that plane ticket so fast. So I love this. How cool is that, that she made such an impact on one podcast and then she stayed in touch by just commenting. And then another podcast was like, oh, we want to have you on. Because the first podcast was like, yeah, this person has stayed top of our mind. So way to stay top of mind. Tam, it's not the easiest thing to do, and you did it. It all takes work, you guys. It all takes time and effort and energy, but stay in touch with people, even little things like liking and commenting. I tell you guys all the time, reviews on this podcast are, like, revenue. If you like this podcast, you don't have to send me money. You can actually just leave a review. Sharing this with other people, that's what does it right? These are things that podcast hosts think about. So way to go, Tami, you're amazing. Lesley Logan 6:37  Okay, so something I wanted to share that's, like, really exciting is I had this goal. So last summer, I heard about this book called Buy Back Your Time, and it's Dan Martell's book. And it's not something I was like, opposed to, like, oh, we always hire so it's not like a thing that we don't do. But he had a chapter about the inbox, about an email inbox, and I between my email inbox and all the Slacks that I'm in and the communities that I'm in, like, there's, I can't get to everything every day, and then I would get into my inbox, or I'd use my inbox to procrastinate, and it would derail the day, because there never would be something in there that wasn't time consuming. And so what his book suggested is that your assistant goes to your inbox and, like, organizes it, and then you only have to respond to the things you have to respond to, and then they can respond to things that they can respond to. I don't need to respond to someone that Tuesday at 1pm is great for a meeting. My assistant can see that 1pm is free. She can just book it for me, right? That's really cool. So anyways, I knew about this last summer, but I didn't have the time to implement it. There were so many things going on. So first of all, the first win is I did not force implementation of this during a time that we had too much going on, right? I set a goal that I wanted to implement this idea in Q1 of 2025, and guess what?, you guys, before mid March, we had, my assistant had, I read the chapter, she read the chapter, she implemented it, and we came up with systems at work before the end of March. So here we are, middle of May, almost end of May. And I can tell you right now I go into my inbox every day, and it can take under 15 minutes to respond to everything and then move on. And I don't feel like, oh my God, what's in there? What am I gonna see? Oh, I'm gonna get distracted by a pair of pants and procrastinate there. So anyways, that's my win. Really made me excited. Lesley Logan 8:14  So now, it's time for your mantra. Here we go. While the world praises big moves, I applaud the little acts of magic that can make it happen. So, while the world praises big moves, I applaud the little acts of magic that that make change happen. You are a badass. Thank you so much for listening until next time, Be It Till You See It. Lesley Logan 8:38  That's all I got for this episode of the Be It Till You See It Podcast. One thing that would help both myself and future listeners is for you to rate the show and leave a review and follow or subscribe for free wherever you listen to your podcast. Also, make sure to introduce yourself over at the Be It Pod on Instagram. I would love to know more about you. Share this episode with whoever you think needs to hear it. Help us and others Be It Till You See It. Have an awesome day. Be It Till You See It is a production of The Bloom Podcast Network. If you want to leave us a message or a question that we might read on another episode, you can text us at +1-310-905-5534 or send a DM on Instagram @BeItPod.Brad Crowell 9:20  It's written, filmed, and recorded by your host, Lesley Logan, and me, Brad Crowell.Lesley Logan 9:25  It is transcribed, produced and edited by the epic team at Disenyo.co.Brad Crowell 9:30  Our theme music is by Ali at Apex Production Music and our branding by designer and artist, Gianfranco Cioffi.Lesley Logan 9:37  Special thanks to Melissa Solomon for creating our visuals.Brad Crowell 9:40  Also to Angelina Herico for adding all of our content to our website. And finally to Meridith Root for keeping us all on point and on time.Support this podcast at — https://redcircle.com/be-it-till-you-see-it/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Listener Q&A where Andy talks about: Why more fund managers don't offer mutual fund-to-ETF conversions ( 5:02 )How my firm helps clients prepare for severe market declines, and how we communicate bad markets to them ( 8:48 )Who's the voice of the intro and outro to this podcast ( 16:06 )For spouses claiming Social Security, what's a good claiming strategy when one spouse doesn't have enough work history to get their own benefit and can only get spousal benefits ( 17:19 )Could a person continue to fund a 529 for their children and later transfer the beneficiary to eventual grandchildren ( 21:37 )What constitutes a gift of digital assets; is it the transfer of the key to the wallet? ( 24:01 )What date/time is used for the date of death valuation of assets, like crypto, that trade 24/7 ( 25:52 )How will the sale of a vacation property impact IRMAA ( 26:55 )How will the sale of a vacation property impact Roth conversion analysis and trying to fill up a certain tax bracket ( 28:46 )Why were the recent 3 and 5-year returns of total bond market funds so poor ( 32:48 )Making estimated payments or withholdings to cover the tax obligations from a Roth conversion done late in the year ( 41:39 )Thoughts on a listener's proposed basic retirement plan, investment allocation and bucketing strategy ( 47:20 )The Smart Money, Fresh Minds podcast - hereMy YouTube video on Estimated Taxes, Tax Withholdings and Underpayment Penalties - hereTo send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.comMy company newsletter - Retirement Planning InsightsFacebook group - Retirement Planning Education (formerly Taxes in Retirement)YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.com

Social Security spousal benefits allow for the lower earning spouse to potentially get an increase in benefits based on their spouse's work history. This holds true for certain DIVORCED spouses. In this show we talk about the rules and calculations around claiming Social Security benefits based on your ex-spouse.

Most retirees assume they are entitled to 50% of their spouse's Social Security, but that is not true... In this episode, I outline the rules for Social Security spousal benefits, how it works, and why your decision to take Social Security impacts your spousal benefits.

Social Security spousal benefits allow for the lower earning spouse to potentially get an increase in benefits based on their spouse's work history. In this show we talk about the rules and calculations around claiming Social Security benefits based on your spouse.

One of the most common Social Security questions we get is this: “If my spouse starts her Social Security at age 62 and I wait until age 70 to start mine, can she receive a higher spousal benefit when I start?” When it comes to Social Security, most people know you can qualify for retirement benefits based on your own work history — the taxes you paid into the system over the years. But what many don't realize is that you might also be eligible for a spousal benefit, even if you didn't work enough to qualify on your own. That's right — even if you didn't pay into Social Security, you may still be able to receive a benefit based on your spouse's earnings record. To find links and resources mentioned in today's podcast, visit SoundRetirementPlanning.com and click on episode #454. The Retirement Budget Calculator is an intuitive tool that promises ease and accuracy. However, like any tool, user error could potentially lead to costly mistakes. To avoid this, let the experienced advisors at Parker Financial LLC guide you. When you hire our team, we offer a comprehensive review of your current investments, taxes, and the data in the Retirement Budget Calculator. We will ensure your plan's completeness and accuracy, helping you create an investment strategy, assist with tax planning, and monitor your plan to maximize your retirement benefits. At Parker Financial we offer a well-crafted retirement investment strategy, deeply rooted in academic data and financial science which can be the key to a prosperous retirement. Don't leave your future to chance. Take the first step towards a sound retirement. Schedule your complimentary discovery session now by visiting Parker-Financial.net let us help you make the most of your retirement years.      

Episode #974 What do you do when your wife criticizes you in front of your kids? Worse—what if she starts pulling them onto “her team” against you? In this revisit episode, we're bringing back a powerful conversation that struck a chord with a lot of men. It's all about what to do when your wife starts undermining you in front of your children—something that's not only painful but can seriously impact your family dynamic if left unchecked. We'll get into why this might be happening, the damage it causes, and what to do when your instinct is to either shut down or fire back. You'll hear how to calmly take the lead, have the hard conversations, set boundaries that stick, and uncover the real reason this is happening in the first place. If you've been in this situation—or want to be prepared in case it ever happens—this episode is worth another listen. Because how you respond in these moments matters… a lot. Let's revisit the playbook and make sure you're ready. Ready to stop walking on eggshells and start leading at home again? Take the free Hidden Triggers in Your Marriage Assessment and find out what's really throwing off the balance between you and your wife.

Welcome to a special milestone episode of Retire with Ryan! In this 250th episode, we're digging into one of the most frequently asked topics by listeners: Social Security. I answer four real-life listener questions about Social Security benefits - covering issues such as survivor benefits after divorce, spousal and ex-spousal benefit eligibility, changes to the Windfall Elimination Provision and Government Pension Offset, and rules for collecting benefits based on a former spouse's record.  I'm breaking down complex Social Security rules in an easy-to-understand way and sharing practical advice for retirees and those planning their dream retirement.  You'll want to hear this episode if you're interested in... [0:00] Access your free copy of my e-book Fiduciary at www.retirewithryan.com  [5:34] Divorced spouses have options for Social Security benefits based on age, remarriage status, and whether claiming their own or an ex-spouse's benefits [6:58] Earnings above $23,400 (ages 62 to full retirement) reduce Social Security benefits by $1 for every $2 over the limit. After reaching full retirement age, the reduction is $1 for every $3 over $62,160.  [10:07] If your ex-spouse dies before you file, you can use a restricted application, but ex-spousal benefits don't earn delayed credits. Wait until age 70 for a higher personal benefit. [14:38] The ten-year requirement for an ex-surviving spouse currently still stands unless  [15:54] If you have recently divorced and your spouse hasn't claimed benefits, then you have to wait two years until you can begin collecting benefits from your ex-spouse Navigating Social Security: Answers to the Most Common Questions for Retirees and Divorced Spouses Survivor Benefits for Divorced Spouses A question from Andrea regarding her mother's eligibility for survivor benefits after her father and his second wife passed away highlights the intricacies many face. The Social Security Administration (SSA) does provide certain protections for divorced spouses, but eligibility hinges on specific criteria: Marriage Duration: To claim an ex-spousal survivor benefit, the marriage must have lasted at least 10 years. Remarriage Restrictions: If remarriage occurs after the age of 60 (or 50 if the survivor is disabled), the survivor can still claim benefits from the former spouse. Earlier remarriage generally directs benefits to the new spouse. Age Requirements: Survivors can claim benefits as early as age 60 (or 50 if disabled), but waiting until reaching “full retirement age” (typically 67) means collecting the full survivor benefit (100% of the deceased's benefit). Early claims result in reduced monthly amounts. Earnings Limits: If a recipient claims before full retirement age and continues working, their benefits may be reduced if their income exceeds the annual limit ($23,400 in 2025). Survivor benefits application can't be completed online, applicants must call or visit their local SSA office. Myths, Realities, and the Restricted Application of Ex-Spousal Benefits Stephanie, a divorced listener, asked if she could claim a spousal benefit and later switch to her own higher benefit. This is a common idea, but it is rarely permitted in practice today. No “Restricted Application” Unless Widowed: Generally, ex-spouses can only claim the higher of their benefit or up to 50% of their ex-spouse's benefit if the ex is alive. The “restricted application” (where you claim one benefit first and then switch later) is only available to widows or widowers, not to those whose ex-spouses are still living. Delaying for More: Your benefits do grow (8% per year between full retirement age and 70). However, survivor and spousal benefits don't accrue these “delayed retirement credits”; there's no advantage to waiting past full retirement age to claim them. Earnings Matter: Like survivor benefits, earnings above the income limits before full retirement age can result in reductions. The Social Security Fairness Act and New Opportunities Recent legislative updates, like the Social Security Fairness Act, have had a profound impact, especially for those affected by the Windfall Elimination Provision (WEP) or Government Pension Offset (GPO). Retirees such as teachers, firefighters, and some government workers previously saw reductions in their Social Security due to pensions received from non-Social Security-taxed jobs.  The Key Change is that WEP/GPO was repealed, and anyone affected can now claim full Social Security benefits. Most should already see retroactive and increased monthly payments. If you've not yet applied, check if you now qualify, the hurdles may have vanished! When Can You Claim on an Ex-Spouse's Record? Donna's inquiry emphasizes a lesser-known rule: If the divorce is recent and the ex-spouse hasn't claimed benefits, one must wait two years to claim on the ex's record unless the ex starts claiming earlier. For divorces older than two years, you can generally proceed without waiting. Those under full retirement age must ensure their income doesn't result in reduced payments. Social Security remains complex, especially during life events such as divorce, remarriage, death, or career changes. The rules can and do change, and representatives aren't infallible. If you suspect your situation is unique or you've been misinformed, it pays to contact the SSA or consult a trusted financial advisor. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  How the Social Security Fairness Act Could Positively Impact Your Retirement, #236  Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

Jim and Chris discuss listener questions relating to spousal Social Security benefits, RMD tax withholding, IRA withdrawals, and 401(k) contribution limits. Jim also shares a PSA about a recent attempt at identity theft. (20:15) Jim shares a PSA about a fraudulent payday loan application attempted in his name and what he learned about credit freezes […] The post Identity Theft, Spousal Benefits, RMD Taxes, IRA Withdrawals, and 401(k) Contribution Limits: Q&A #2513 appeared first on The Retirement and IRA Show.