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HelpWithMySocialSecurity.com is a blog intended to give you information on Social Security topics. Neither the blog, nor Jim Saulnier and Associates, LLC, are in any way approved, endorsed, or authorized by the Social Security Administration.
Jim Saulnier and Associates, LLC is a retirement planning firm that can assist you with your Social Security concerns.

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Social Security Optimization Tools
A reader from Michigan asks for the best free and paid Social Security claiming optimization tools. "Over the years, you have referenced...

Chris Stein, CFP®
Sep 22, 20237 min read
336 views
0 comments


Claiming A Benefit Before Age 70
A local Colorado reader wonders how she can begin claiming a Social Security survivor benefit until claiming her own full benefit at age...

Chris Stein, CFP®
Jul 14, 20232 min read
190 views
0 comments


Social Security Survivor Benefits and Delayed Benefits
A reader from Kentucky wonders if he can claim a Social Security survivor benefit while delaying his own benefit to age 70. “I have two...
Chris Stein, CFP®
Nov 4, 20223 min read
890 views
0 comments


Including Additional Years Of Work For Social Security
A reader wonders if his brother, who didn't initially pay into Social Security, will be allowed to include additional years of work...
Chris Stein, CFP®
Jun 10, 20223 min read
206 views
0 comments


Social Security Taxation and Allowable Deductions
A reader from Ohio asks for clarification regarding 2021 Social Security taxation and allowable deductions. Today I sat down to do my...
Chris Stein, CFP®
Mar 18, 20223 min read
996 views
1 comment


Searching For The Optimal Social Security Claiming Strategy
A reader from Idaho asks for advice on the optimal Social Security claiming strategy for himself and his wife. "I plan on taking SS at my...
Chris Stein, CFP®
Jan 7, 20224 min read
841 views
0 comments


Social Security and Tax Brackets
A reader asks for confirmation of the rules around his mother retroactively filing for her Social Security benefit. "My mom will hit her...
Chris Stein, CFP®
Jan 22, 20213 min read
508 views
0 comments


Estimating Your Social Security Benefit
A reader from Kentucky asks if he needs to inflate the PIA estimate given by the Social Security Administration to reflect his estimated...
Chris Stein, CFP®
Nov 27, 20205 min read
272 views
0 comments


Social Security, Savings Advice, and Annuities
A reader would like to know what month he’ll be able to receive his first full Social Security payment.
Chris Stein, CFP®
Oct 23, 20204 min read
131 views
0 comments


How Do I Know Which Survivor Social Security Benefits to Claim?
A reader would like to know about claiming Social Security benefits on his deceased spouse's record. "My wife passed away last year. Can...
Chris Stein, CFP®
Sep 4, 20202 min read
254 views
0 comments


How Do I Increase My Federal Tax Withholding Amount?
A reader would like to increase the amount of federal taxes withheld from her Social Security benefit payments. “How do I increase my...
Chris Stein, CFP®
Aug 28, 20202 min read
3,319 views
0 comments


Transitioning from Disability to Full Retirement Age
This week we have a question from someone curious about the timing of the transition from Social Security Disability to Full Retirement...
Chris Stein, CFP®
Nov 1, 20192 min read
193 views


Should I File Retroactively?
Many people wonder, “Should I file retroactively for Social Security Benefits?”. The question this week is from someone considering...
Chris Stein, CFP®
Oct 18, 20193 min read
81 views


Timing Your First Benefits Check
The following question came in this week… “I understand the earnings test for those under FRA but my question has to do with the period...
Chris Stein, CFP®
Dec 11, 20182 min read
161 views


Earnings Test and Spousal Benefits
We had a great question regarding the earnings test and spousal benefits from our email box this week: “I am 66 (FRA), the higher earner,...
Chris Stein, CFP®
Sep 4, 20182 min read
34 views
0 comments


Question on Delayed Retirement Credits
Today we have a question from a reader about a past blog post. Back in May, 2017 I posted an article describing exactly how the Delayed...
Chris Stein, CFP®
Oct 3, 20172 min read
33 views
0 comments


A Case For Claiming Social Security Early
So many Social Security claiming recommendations on our blog and elsewhere in the press involve reasons to delay claiming, we wanted to...
Chris Stein, CFP®
Feb 21, 20173 min read
33 views
0 comments


Survivor vs Retirement Benefit – Which to Start First?
This week a reader who is eligible for both a Survivor benefit as well as their own Retirement benefit asked which one they should claim,...
Chris Stein, CFP®
Apr 26, 20163 min read
29 views
0 comments


Divorce Rate to Increase
While most of us in the retirement planning arena are still digesting the full impact of the significant Social Security rule changes...
Chris Stein, CFP®
Nov 10, 20153 min read
15 views
0 comments


Disappearing Social Security Strategies
I guess it was appropriate that this last weekend was Halloween since something very spooky happened with Social Security. Buried inside...
Chris Stein, CFP®
Nov 3, 20152 min read
17 views
0 comments
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