--- title: | Lauren Laferla, Director of Communications (2) description: "Lauren is a content marketing enthusiast with a love for storytelling - on camera, in writing, and through others. She has a robust communications background that includes: public relations, content creation, internal communications, digital marketing, and copy editing. Driven and motivated, Lauren holds a bachelor's degree in English and is an avid reader. (2)" --- [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) # Press Browse by topic All Topics In The News Social Security Tax Fintech benefit cuts COLA Marketing retirement widow benefit Risk 401(k) Biden CARESAct IRS Income Planning Roth Trustees report investing Subscribe to our news ![ThinkAdvisor: How to Help Retirees Avoid Tax Traps in Social Security, Capital Gains](https://www.covisum.com/hubfs/GettyImages-160913952.jpg) #### In The News ### [ThinkAdvisor: How to Help Retirees Avoid Tax Traps in Social Security, Capital Gains](https://www.covisum.com/press/thinkadvisor-how-to-help-retirees-avoid-tax-traps-in-social-security-capital-gains) on June 1, 2022 | By [Lauren Laferla, Director of Communications](https://www.covisum.com/press/author/lauren-laferla-pr-content-marketing-manager) On May 26, Covisum® hosted a webinar titled, Retirement Tax Strategies for RIAs. This recent ThinkAdvisor article recaps the webinar's tips for helping clients take advantage of tax-saving opportunities and avoid unnecessary taxes in retirement. [Read More **](https://www.covisum.com/press/thinkadvisor-how-to-help-retirees-avoid-tax-traps-in-social-security-capital-gains) ![CNBC: Wages up to $147,000 are currently taxed for Social Security. How that could change](https://www.covisum.com/hubfs/The%20Capitol%20and%20Reflecting%20Pool%20in%20Washington%2c%20DC..jpeg) #### In The News ### [CNBC: Wages up to $147,000 are currently taxed for Social Security. How that could change](https://www.covisum.com/press/cnbc-proposed-tax-changes-to-shore-up-social-security) on April 30, 2022 | By [Lauren Laferla, Director of Communications](https://www.covisum.com/press/author/lauren-laferla-pr-content-marketing-manager) To shore up the Social Security program lawmakers will need to make some changes — raise taxes, cut benefits or do a combination of both. One suggestions is to increase taxes for higher wage earners. This CNBC article take a closer look at the proposed tax changes. [Read More **](https://www.covisum.com/press/cnbc-proposed-tax-changes-to-shore-up-social-security) ![The Street: When Do Social Security Benefits Become Taxable?](https://www.covisum.com/hubfs/Side%20view%20portrait%20of%20businesswoman%20using%20computer%20at%20office%20desk.jpeg) #### Social Security ### [The Street: When Do Social Security Benefits Become Taxable?](https://www.covisum.com/press/the-street-when-do-social-security-benefits-become-taxable) on April 29, 2022 | By [Lauren Laferla, Director of Communications](https://www.covisum.com/press/author/lauren-laferla-pr-content-marketing-manager) If you combine Social Security benefits with other retirement income, your total income can push you over the pre-determined threshold, and your benefits can be subject to federal income tax. In fact about 56% of beneficiaries will owe federal income taxes on their benefits according to the Social Security Administration. In this article for The Street, Covisum® Founder and President, Joe Elsasser, CFP® outlines how Social Security benefits can become taxable and how you can determine how much you'll owe. [Read More **](https://www.covisum.com/press/the-street-when-do-social-security-benefits-become-taxable) ![ThinkAdvisor: Everything You Need to Know About Social Security's Retirement Earnings Test](https://www.covisum.com/hubfs/Stock%20images/Close%20up%20low%20angle%20view%20of%20a%20man%20working%20from%20home%20on%20a%20laptop%20computer%20sitting%20at%20a%20desk%20surfing%20the%20internet.jpeg) #### In The News ### [ThinkAdvisor: Everything You Need to Know About Social Security's Retirement Earnings Test](https://www.covisum.com/press/thinkadvisor-everything-you-need-to-know-about-social-securitys-retirement-earnings-test) on April 8, 2022 | By [Lauren Laferla, Director of Communications](https://www.covisum.com/press/author/lauren-laferla-pr-content-marketing-manager) Many retirees believe that they can't claim Social Security because they make too much, but the retirement earnings test is significantly more complex. In this recent ThinkAdvisor article, Joe Elsasser, CFP®, explains how the retirement earnings test can allow advisors to tailor claiming strategies, even for clients who appear to have income more than the exempt amount. [Read More **](https://www.covisum.com/press/thinkadvisor-everything-you-need-to-know-about-social-securitys-retirement-earnings-test) ![CNBC: Social Security’s retirement age is moving to 67. Some experts say that could go even higher](https://www.covisum.com/hubfs/Happy%20birthday%20candles%20on%20a%20chocolate%20cake.jpeg) #### In The News ### [CNBC: Social Security’s retirement age is moving to 67. Some experts say that could go even higher](https://www.covisum.com/press/cnbc-retirement-age-is-increasing) on April 4, 2022 | By [Lauren Laferla, Director of Communications](https://www.covisum.com/press/author/lauren-laferla-pr-content-marketing-manager) With many Americans living and working longer, the retirement age has increased. A retirement bill, that was just passed by the House of Representatives, would increase the age for required minimum distributions on certain savings accounts from the current age of 72 to 75. This CNBC article outlines what changes to the retirement age could mean for people in or nearing retirement. [Read More **](https://www.covisum.com/press/cnbc-retirement-age-is-increasing) ![Retirement Daily: Tax Rates and Retirement, What You Need to Know](https://www.covisum.com/hubfs/Asian%20old%20couple%20using%20laptop.jpeg) #### Tax ### [Retirement Daily: Tax Rates and Retirement, What You Need to Know](https://www.covisum.com/press/retirement-daily-tax-rates-and-retirement-what-you-need-to-know) on March 2, 2022 | By [Lauren Laferla, Director of Communications](https://www.covisum.com/press/author/lauren-laferla-pr-content-marketing-manager) No retirement decision should be made without first considering the tax impact that decision could have on the overall retirement strategy. In this Retirement Daily article, Tax Rates and Retirement: What You Need to Know, Covisum® Founder and President, Joe Elsasser, CFP® outlines the different tax rates that determine how much you'll pay in taxes throughout retirement. [Read More **](https://www.covisum.com/press/retirement-daily-tax-rates-and-retirement-what-you-need-to-know) ![ThinkAdvisor: 4 Things Your Financial Planning Software Should Do](https://www.covisum.com/hubfs/business%20documents%20on%20office%20table%20with%20smart%20phone%20and%20digital%20tablet%20and%20graph%20financial%20with%20social%20network%20diagram%20and%20man%20working%20in%20the%20background.jpeg) #### In The News ### [ThinkAdvisor: 4 Things Your Financial Planning Software Should Do](https://www.covisum.com/press/thinkadvisor-4-things-your-financial-planning-software-should-do) on February 10, 2022 | By [Lauren Laferla, Director of Communications](https://www.covisum.com/press/author/lauren-laferla-pr-content-marketing-manager) With so many options on the market, it can be difficult to determine which financial planning technology is worth investing in and which options to skip. In this recent ThinkAdvisor article, Joe Elsasser, CFP®, offers financial advisors tips for choosing the right software for their financial planning practice. [Read More **](https://www.covisum.com/press/thinkadvisor-4-things-your-financial-planning-software-should-do) ![Podcast: Joe Elsasser on Retirement Repair Shop](https://www.covisum.com/hubfs/press_podcast%20stock%20photo_Q1%202021.jpg) #### In The News ### [Podcast: Joe Elsasser on Retirement Repair Shop](https://www.covisum.com/press/joe-elsasser-guest-on-investmentnews-retirement-repair-shop) on February 3, 2022 | By [Lauren Laferla, Director of Communications](https://www.covisum.com/press/author/lauren-laferla-pr-content-marketing-manager) Covisum Founder and President, Joe Elsasser, CFP®, was recently a guest on the InvestmentNews podcast, Retirement Repair Shop where he spoke with host Mary Beth Franklin about the good, the bad and the ugly of Social Security. You can listen here. Retirement Repair Shop includes interviews with industry experts who offer solutions for navigating tricky retirement situations. This podcast is brought to you by InvestmentNews. [Read More **](https://www.covisum.com/press/joe-elsasser-guest-on-investmentnews-retirement-repair-shop) ![Perspectives Magazine: Navigating Social Security in 2022](https://www.covisum.com/hubfs/%5BSBM%5D%20Blog%20Images/Keep%20These%203%20Considerations%20in%20Mind%20When%20Calculating%20Social%20Security%20Income%20for%20Your%20Clients.jpg) #### In The News ### [Perspectives Magazine: Navigating Social Security in 2022](https://www.covisum.com/press/perspectives-magazine-navigating-social-security-in-2022) on February 2, 2022 | By [Lauren Laferla, Director of Communications](https://www.covisum.com/press/author/lauren-laferla-pr-content-marketing-manager) A 5.9% cost-of-living adjustment for 2022 and ongoing conversations about inflation have left many Americans worried about the solvency of the Social Security program. It's possible that this will contribute to Social Security depletion dates moving forward another year, however claiming early out of fear is not a good financial decision. Once reserves are depleted, income from taxes will allow the program to continue to pay 76 percent of scheduled benefits, that's before you even consider the high likelihood of new legislation that will shore up the system. Advisors have the opportunity to educate clients and help them make smart Social Security claiming decisions–even in this uncertain time. [Read More **](https://www.covisum.com/press/perspectives-magazine-navigating-social-security-in-2022) ![Press Release: Covisum Awarded ISO/IECC 27001 Certification](https://www.covisum.com/hubfs/Stock%20images/Workplace%20with%20tablet%20pc%20showing%20news%20and%20a%20cup%20of%20coffee%20on%20a%20wooden%20work%20table%20close-up.jpeg) #### In The News ### [Press Release: Covisum Awarded ISO/IECC 27001 Certification](https://www.covisum.com/press/press-release-covisum-awarded-iso-iecc-27001-certification) on December 3, 2021 | By [Lauren Laferla, Director of Communications](https://www.covisum.com/press/author/lauren-laferla-pr-content-marketing-manager) OMAHA, Neb. –Today Covisum announces that the company has achieved ISO 27001:2013 certification. ISO/IEC 27001 is an internationally recognized management system for controlling information security and governance risk. Certification is achieved through an external accredited certification body following extensive audits of practices, policies, and procedures. [Read More **](https://www.covisum.com/press/press-release-covisum-awarded-iso-iecc-27001-certification) current_page_num+2: 4 - ## Covisum’s ecosystem of solutions can help you grow. [Learn More](https://www.covisum.com/software) ## Stay Connected Access industry news, expert insights, best practices, free downloads and more. 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