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#24 - Understanding Spousal (and Ex-Spousal) Social Security Benefits


Are you making the most of your Social Security benefits? Let’s take a moment and talk about spousal and ex-spousal benefits.

Today on the Simply Retirement Podcast, Eric Blake delves into what women need to know about maximizing their Social Security benefits, specifically spousal and ex-spousal benefits. He clarifies the eligibility criteria, benefit calculation, timing strategies, and the impact of working on social security benefits. Eric emphasizes the importance of understanding the rules around social security benefits to maximize your financial security during retirement.

 Key Highlights: 

  • How spousal and ex-spousal benefits are calculated
  • The eligibility criteria for spousal and ex-spousal benefits based on marriage duration
  • What the earnings test is and the implications of working while receiving benefits
  • How provisional income affects the taxable portion of your social security benefits
  • Deciding between taking Social Security benefits before and after full retirement age
  • Tax implications associated with Social Security benefits and the importance of accurate planning
  • And more!

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Ways to Enjoy Today's Episode

📚 Read a Transcript of the Episode
👀 Watch us on YouTube
🎧 Listen on Your Favorite Podcast App

Episode Resources: 

➡ Join the Simply Retirement Newsletter
➡ Ask a Question
➡ Ep. 14: Top 5 Things Every Woman Should Know About Social Security
➡ Social Security Quick Reference Guide for 2024
➡ SSA.gov

Content here is for illustrative purposes and general information only. It is not legal, tax, or individualized financial advice; nor is it a recommendation to buy, sell, or hold any specific security, or engage in any specific trading strategy.

All investing involves risk including loss of principal. Results will vary. Past performance is no indication of future results or success. Market conditions change continuously.

Information here is provided, in part, by third-party sources. These sources are generally deemed to be reliable; however, neither Blake Wealth Management nor RFG Advisory guarantee the accuracy of third-party sources. The views expressed here are those of Blake Wealth Management. They do not necessarily represent those of RFG Advisory, their employees, or their clients.

This commentary should not be regarded as a description of advisory services provided by Blake Wealth Management or RFG Advisory, or performance returns of any client. The views reflected in the commentary are subject to change at any time without notice.

What worked for you before retirement may not work during retirement.

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