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We know that The Social Security Fairness Act was signed into law on January 5th, 2025, and that it will affect the Government Pension Offset (GPO) and Windfall Elimination Provision (WEP). While we know many of the details surrounding this law, certain details still have not been clarified. We have logged this as part of our Guide Audit Process and will be prepared to update this guide as soon as more updates are provided by the SSA. Click on the Learn More button for an official link to track those updates.
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Retirement/Decumulation

Social Security Retirement Benefit Issues

Updated 12/1/2024

What Issues Should I Consider With My Social Security Retirement Benefits?

Social Security retirement benefits can be particularly complex, and clients really struggle with their decision on how to file.

With your guidance, clients will be able to determine how to best approach their Social Security retirement benefits, and whether their benefits may tie in with other financial planning goals. Get a step ahead, and be prepared to provide thoughtful answers to your client’s many questions.

This checklist covers the key issues to consider when a client must make a decision surrounding their Social Security retirement benefits, such as:

  • Determining whether they should file early or delay their benefits.
  • Understanding the claiming options they have at their disposal.
  • Coordinating their benefits with the spouse or ex-spouse.
  • Understanding how their benefits may impact other tax-planning goals.
Related Guides
Social Security Disability Benefit Rules
Category: Retirement/Decumulation
Social Security Benefit Rules For Divorced Spouses
Category: Retirement/Decumulation
Surviving Spouse Social Security Benefit Rules
Category: Retirement/Decumulation
Spousal Social Security Benefit Rules
Category: Retirement/Decumulation
Social Security Benefit Reduction Rules
Category: Retirement/Decumulation
Social Security Fairness Act Rules
Category: Retirement/Decumulation

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“Having been trained in a CPA firm, checklists were how everything was done, I was amazed to learn how little checklists were utilized in FP [Financial Planning]. I had created my own but FP Pathfinder has outdone me in creating current issue lists and updates. This is a must for any advisor. ”
— Advisor from California
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