Insights
The questions that come up most often in workshops and across the desk, explained the same way here.
Federal Employees
September 15, 2026 · 7 min read
FERS, CSRS, the repeal of WEP and GPO, the FERS supplement, and the survivor question — how federal employees should read their Social Security decision today.
Read the articleClaiming Age
August 28, 2026 · 6 min read
Filing at 62 pays about 70% of your full benefit for life. Here is how to work out what that reduction actually costs your household.
Read the articleCouples
August 12, 2026 · 5 min read
A spousal benefit tops out at 50%. A survivor benefit can reach 100%. Deciding them separately is how couples lose income.
Read the articleTaxes
July 22, 2026 · 5 min read
Up to 85% of your benefit can be taxable, and IRA withdrawals are what push it there. Sequencing is the lever.
Read the articlePensions
July 3, 2026 · 4 min read
Public employees and veterans face a stacking problem: pension, benefit, and required distributions all landing at once.
Read the article