Social Security Retirement Benefits
Social Security was originally intended to provide older Americans with continuing income after retirement. Today, though the scope of Social Security has been widened to include survivor’s, disability, and other benefits, retirement benefits are still the cornerstone of the program.
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How Earnings Affect Social Security
If you begin to receive Social Security retirement (or survivor’s) benefits before you reach full retirement age, money you earn over a certain limit will reduce the amount of your Social Security benefit.
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Timing Your Earnings in Retirement to Optimize Your Social Security Retirement Benefit
If you work after you begin receiving Social Security retirement benefits, you may lose all or part of your retirement benefit if your earnings exceed the retirement earnings exempt amount. However, you won’t lose benefits due to excess earnings once you reach normal retirement age, and it’s possible to time your earnings in retirement in order to optimize your benefit.
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Sources of Retirement Income: Filling the Social Security Gap
Sources of Retirement Income: Filling the Social Security Gap illustration.
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Investment Advisor Representative: Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor.  Registered Representative: Securities offered through Cambridge Investment Research Inc., a Broker/Dealer, Member FINRA/SIPC.  Cambridge and Affinity Wealth Advisors Inc are not affiliated.

Prepared by Forefield Inc. Copyright 2011.