--- title: Blog | earnings test description: earnings test | Informing the best financial decisions for institutions, advisors, and their clients. --- [Login](https://www.covisum.com/login-experience) | [Call: 402-235-4500](tel:1-402-235-4500) | [Contact Us](https://www.covisum.com/contact) ** [![covisum-logo](https://www.covisum.com/hs-fs/hubfs/covisum-logo.png?width=264&height=41&name=covisum-logo.png "covisum-logo")](https://www.covisum.com/) [![Start Your Free Trial](https://no-cache.hubspot.com/cta/default/2755909/b23743cd-d0df-4907-a66d-293b58ab1164.png)](https://cta-redirect.hubspot.com/cta/redirect/2755909/b23743cd-d0df-4907-a66d-293b58ab1164) [![Contact Us](https://no-cache.hubspot.com/cta/default/2755909/6c6d7fe7-e094-4fc0-9c82-d93d4ccbb532.png)](https://cta-redirect.hubspot.com/cta/redirect/2755909/6c6d7fe7-e094-4fc0-9c82-d93d4ccbb532) - [Solutions](https://www.covisum.com/software) ** - [Covisum Suite](https://www.covisum.com/software) - [Social Security Optimization](https://www.covisum.com/solutions/social-security-timing) - [Tax Planning](https://www.covisum.com/solutions/tax-clarity) - [Retirement Income Planning](https://www.covisum.com/solutions/income-insight) - [Portfolio Risk Analysis](https://www.covisum.com/solutions/smartrisk) - [Enterprise Solutions](https://www.covisum.com/solutions/enterprise) - [Pricing](https://www.covisum.com/pricing) - [Resources](https://www.covisum.com/resources) ** - [Resources](https://www.covisum.com/resources) - [Events](https://www.covisum.com/events) - [Blog](https://www.covisum.com/blog) - [Customer Reviews](https://www.covisum.com/customer-reviews) - [About](https://www.covisum.com/about) ** - [About](https://www.covisum.com/about) - [Press](https://www.covisum.com/press) - [Careers](https://www.covisum.com/careers) - [Help Center](https://www.covisum.com/knowledge-base) # Covisum Blog ### Financial industry news, expert insights and best practices to help you grow your financial planning practice. 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[Read **](https://www.covisum.com/blog/social-security-monthly-earnings-test) [![FinPlan Friday: Retirement Planning Strategies that Account for the Earnings Test](https://www.covisum.com/hubfs/Canva%20images/FinPlan%20Fridays.png) ](https://www.covisum.com/blog/retirement-planning-strategies-that-account-for-the-earnings-test) #### Social Security ### [FinPlan Friday: Retirement Planning Strategies that Account for the Earnings Test](https://www.covisum.com/blog/retirement-planning-strategies-that-account-for-the-earnings-test) on May 6, 2022 | By [Lauren Laferla, Director of Communications](https://www.covisum.com/blog/author/lauren-laferla-pr-content-marketing-manager) One of the most frequent questions for those on the edge of retirement is, "How much can I make and still collect my full Social Security?" There's a simple answer, but often it misses some nuance that will allow you to develop better claiming strategies for your clients. Taking a closer look at both the annual earnings test and the lesser-known monthly earning tests can sometimes present exciting planning opportunities. [Read **](https://www.covisum.com/blog/retirement-planning-strategies-that-account-for-the-earnings-test) [![Social Security Retirement Planning Concepts Every Advisor Should Know](https://www.covisum.com/hubfs/Collegues%20working%20together%20in%20an%20office.jpeg) ](https://www.covisum.com/blog/social-security-retirement-planning-concepts-every-advisor-should-know) #### Social Security ### [Social Security Retirement Planning Concepts Every Advisor Should Know](https://www.covisum.com/blog/social-security-retirement-planning-concepts-every-advisor-should-know) on April 21, 2022 | By [Lauren Laferla, Director of Communications](https://www.covisum.com/blog/author/lauren-laferla-pr-content-marketing-manager) With millions of Americans entitled to Social Security retirement benefits, Social Security planning should be the cornerstone of any advisor’s retirement income planning practice. Your clients rely on your expertise to help them access maximum benefits over their lifetimes. Here are three crucial Social Security concepts you need to know to demonstrate the value of your advice. [Read **](https://www.covisum.com/blog/social-security-retirement-planning-concepts-every-advisor-should-know) current_page_num+2: 3 - disabled ## Covisum’s ecosystem of solutions can help you grow. [Start Your Free Trial](https://www.covisum.com/trial) ## Stay Connected Access industry news, expert insights, best practices, free downloads and more. 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