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. 

"For the average retiree, the rules and regulations surrounding the earnings test can be complex and confusing. Financial advisors can deliver significant value by helping clients understand how the earnings test may affect their retirement and by creating smart retirement income strategies that account for the test."

Read the ThinkAdvisor article in its entirety.