--- title: "ThinkAdvisor: Everything You Need to Know About Social Security's Retirement Earnings Test" description: An in-depth look at the Social Security retirement earnings test image: 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 --- [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) # ThinkAdvisor: Everything You Need to Know About Social Security's Retirement Earnings Test [IN THE NEWS  |  ](https://www.covisum.com/press/tag/in-the-news)Apr 8, 2022 8:34:10 AM  |  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](https://www.thinkadvisor.com/2022/04/04/social-security-retirement-earnings-test-everything-you-need-to-know/) 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](https://www.thinkadvisor.com/2022/04/04/social-security-retirement-earnings-test-everything-you-need-to-know/) in its entirety.  ### Share this article [![Share on Facebook](https://static.hubspot.com/final/img/common/icons/social/facebook-24x24.png)](http://www.facebook.com/share.php?u=https%3A%2F%2Fwww.covisum.com%2Fpress%2Fthinkadvisor-everything-you-need-to-know-about-social-securitys-retirement-earnings-test%3Futm_medium%3Dsocial%26utm_source%3Dfacebook) [![Share on LinkedIn](https://static.hubspot.com/final/img/common/icons/social/linkedin-24x24.png)](http://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fwww.covisum.com%2Fpress%2Fthinkadvisor-everything-you-need-to-know-about-social-securitys-retirement-earnings-test%3Futm_medium%3Dsocial%26utm_source%3Dlinkedin) [![Share on Twitter](https://static.hubspot.com/final/img/common/icons/social/twitter-24x24.png)](https://twitter.com/intent/tweet?original_referer=https%3A%2F%2Fwww.covisum.com%2Fpress%2Fthinkadvisor-everything-you-need-to-know-about-social-securitys-retirement-earnings-test%3Futm_medium%3Dsocial%26utm_source%3Dtwitter&url=https%3A%2F%2Fwww.covisum.com%2Fpress%2Fthinkadvisor-everything-you-need-to-know-about-social-securitys-retirement-earnings-test%3Futm_medium%3Dsocial%26utm_source%3Dtwitter&source=tweetbutton&text=ThinkAdvisor%3A%20Everything%20You%20Need%20to%20Know%20About%20Social%20Security%27s%20Retirement%20Earnings%20Test) ## Recent articles [ ### In The News ThinkAdvisor: Social Security COLA Could Have Surprising Tax Effects Read ](https://www.covisum.com/press/thinkadvisor-social-security-cola-could-have-surprising-tax-effects) [ ### In The News The Street: Expert Advice on Social Security's 8.7% COLA Read ](https://www.covisum.com/press/the-street-expert-advice-on-social-security-cola) [ ### Social Security The Street: When Do Social Security Benefits Become Taxable? 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