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The Overlooked Retirement Risk: Caregiving for Parents

• The “Sandwich Generation” Reality
• The Hidden Cost of Caregiving
• Long Term Care: The Overlooked Retirement Multiplier
• Social Security Connection
• Broadening the Conversation

Executive Summary

Advisor Mailbag

GUEST EXPERT:
Steven Lovell
Senior Income &

What the Surviving Spouse Receives: What’s Under the Hood Might Surprise You

• From PIA to WIB: Why the Worker’s Timing Matters
• The Widow’s Limit Provision
• When the Worker Dies Before Claiming
• The Surviving Spouse’s Age: A Critical Lever
• It’s a Matter of Timing
• Survivor Benefits and the Earnings Test
• Cash Flow Leveraging: Claim This,

When the Monthly Earnings Test Runs Amok

• The Annual Earnings Test
• The Two-Tier Test
• What Counts and What Does Not
• Withheld,

One Big Beautiful Bill Act: What It Means for Social Security Taxation

• These Rules Are Taxing
• Come Again?

Women and Claiming Freedom

• Behind the Proverbial 8-Ball
• Golden Opportunity
• The Power in Autonomy
• Singles’ Solutions
• Put Your Mask on First

Executive Summary

Advisor Mailbag

GUEST EXPERT:
Dawn Santoriello,

Policy Shifts and Public Sentiment

• Overpayment Recovery Policy Reversal
• Workforce and Operational Reductions
• Field Office Access and Identity Verification Challenges
• SSFA Update and Solvency Woes
• Politicians Should Listen Up

Executive Summary

Advisor Mailbag

GUEST EXPERT:
Wade D.

5 Golden Nuggets: Warnings and Winning Moves

• #1 The Entire Month Rule: The 62nd Birthday Buzzkillt
• #2 Rest in Peace …Now Return to Sender
• #3 Lump Sum FOMO: When Free Money Is Not Free
• #4 Underwithholding Today May Lead to Regret Tomorrow
• #5 Medicare’s MAGI Lookback and How to Outsmart It

Executive Summary

Advisor Mailbag

Social Security Shake-Up

GUEST EXPERT:
April Reed Crews,

Landmark Legislation Boosts Benefits to Millions of Public Sector Retirees

• GPO Wipeout
• The Hybrid Earner and WEP
• Target Audience
• Refunds Coming
• The No-Check Club: Public Retirees Left Behind
• Show Me the Money
• Case Studies
• The Financial Impact
• Ripple Effects and Unanswered Questions

Executive Summary

Advisor Mailbag

GUEST EXPERT:
Michael O’Leary,

The Clock Is Ticking: Making Retirement and Social Security Claiming Decisions that Count

• Trim the Fat
• Review Employer-Provided Healthcare
• Options
• Options for Medicare Enrollees
• Social Security Claiming Considerations
• Extended Earnings
• Paired Planning
• Use it or Lose it,

The Double Taxation Debate

• Debating Double Taxation
• Ground Zero
• Changing Tides
• Pay-As-You-Go
• Statistics Tell the Story
• Crunching the Numbers
• High Times
• State of the Art

Executive Summary

About That Medicare Annual Enrollment Period

• AEP Basics
• Navigating the AEP
• Healthcare Choices and Long-Term Planning
• AEP Basics

Advisor Mailbag

GUEST EXPERT:
Ed Slott,