The Helper locomotive is there to assist trains to get over steep grades. This blog serves the same purpose. It is here to help give ideas to get you over those steep financial grades that lie ahead of you. I hope you enjoy!
Learn how to claim your Railroad Retirement spousal annuity while allowing your own Social Security benefit to continue growing, and understand the optimal timing strategies for spouses with their own Social Security earnings.
Learn when an older spouse should start their Social Security if they are married to a working railroader.
Learn what a surviving spouse can expect and when they can start their Railroad Retirement Survivor Annuity if the railroader passes away.
Understand why the spouse should always collect their Railroad Retirement spousal annuity benefits even when work deductions will be applied.
Understand the implications on your spouse's annuity when you go back to work in Railroad Retirement and the possible big impact on your retirement plans.
Learn the effects on your spouse's Railroad Retirement annuity by continuing to work while collecting.
Understand the importance of possible Age Reductions that could impact the Railroad Retirement spousal annuity with less than thirty years of service.
Learn the implications on Railroad Retirement of leaving the railroad at 60 with 27 years of service.
Understand the importance of the business structure to help manage any Last Previous Employer (LPE) risk to a spouse's Tier 2 Railroad Retirement benefit.
Learn the impact on the spousal annuity when a widow starts their Railroad Retirement Survivor Annuity.