Social Security

Advisers can turn that pessimistic outlook into better preparedness.

Help clients filter out the noise around potential changes to the system.

Investors nearing retirement should make sure their portfolios are diversified and consider alternative assets, such as real estate, commodities and annuities.

Help clients filter out the noise around potential changes to the system.

For starters, the full retirement age will increase for those born in 1955.

Clients can withdraw claims and re-apply at a future date, with some restrictions.

It's misguided to treat Social Security as bonds since clients can't sell a portion of their Social Security when they need to raise funds.

Studies have found that as many as 25% of records contain errors that can reduce benefits.