USA Today: Social Security Q&A

Posted on June 11, 2018

Covisum President, Joe Elsasser, CFP®, was recently quoted in a Social Security Q&A in  USA Today


Posted in In The News, Social Security, Joe Elsasser, Social Security Benefits

CNBC explains the best age to claim Social Security

Posted on June 06, 2018

According to an article from CNBC, the best way to determine the optimal age to claim your Social Security benefits is by calculating when you would break even. The break even point is when the amount you receive if you claim later equals the amount you would have received if you had started early. Generally, the age range when an individual would break even is 77 to 83-years-old.  


Posted in Benefits, Joe Elsasser, Social Security Benefits, CNBC

Nationwide survey suggests many Americans have a poor understanding of Social Security

Posted on May 09, 2018

Results from a recent Harris Poll from the Nationwide Retirement Institute® suggest many Americans nearing retirement age lack sufficient understanding of their Social Security benefits.

InvestmentNews summarized the survey results.

Some of the key findings:


Posted in Social Security, Social Security Benefits, Retirement Planning, FinancialPlannng

ThinkAdvisor: Covisum's advisor and quant discuss how to help married couples maximize their social security benefits

Posted on May 08, 2018

In an ongoing series exclusive to ThinkAdvisor, Joe Elsasser, CFP® and Ron Piccinini, PhD provide readers with two distinct perspectives on the same topic. Check out the most recent installment, "Social Security Timing: What couples should consider."

In this edition, we asked both Joe and Ron how a married couple should decide when to claim Social Security.

Joe's response included:


Posted in Social Security Benefits, ThinkAdvisor, The Advisor & The Quant

TheStreet: How Does Social Security Calculate My Benefit Check?

TheStreet readers ask about how to get the biggest Social Security checks possible. Robert Powell gets answers from the experts.


Posted in Bipartisan Budget Act, In The News, Social Security, Joe Elsasser, Social Security Benefits, TheStreet

How to make the most of your Social Security benefits

PlanStrongerTV™ hosted by David Holland, CPA, CFP® featured Joe Elsasser, CFP®, RHU®, REBC® and president of Covisum in an episode titled, "How to Make the Most of Your Social Security Benefits." Watch it now.


Posted in Claiming Strategies, Industry Advice, Social Security, Social Security Timing, Webcast, Social Security Benefits, Retirement Planning, video

5 Things To Start, Stop, And Keep Doing With Your Financial Practice In 2018

The New Year traditionally brings resolutions, some of which actually will be kept. Financial advisors should go beyond promising to lose weight and work out more to think about ways to build their business. Here are some suggestions:


Posted in Marketing, Marketing Strategies, Risk, Financial Planning, Downside Risk, Social Security Benefits, Retirement Planning

Is my pension covered or not covered?

By Keith McCullough, Director of Support Services

It’s not uncommon for a client come into your office and tell you that they have a pension from the military, or a government or teaching job. If you ask them if the pension is covered under Social Security or not you’ll likely get a blank stare. 


Posted in Social Security, Social Security Timing, Social Security Administration, Social Security Benefits, Pension

Can I work and collect Social Security benefits?

By Keith McCullough, Director of Support Services

The better question would be, “What happens if I work while collecting a Social Security benefit?” The short answer is yes, a person can work and get Social Security benefits at the same time. But, if they are younger than the full retirement age, and they earn more than the yearly earnings limit, they may be subject to a reduced benefit. 


Posted in Social Security, Social Security Timing, Social Security Benefits