| Age 65 1/2 or older by Oct. 29, 2015 (born April 30, 1950, or earlier) |
Age 62 or older in 2015 (born 1953 or earlier, or on Jan. 1, 1954) |
Under age 62 in 2015 (born Jan. 2, 1954, or later) |
||
|---|---|---|---|---|
| Currently married | File and suspend | Still available at FRA*, must file by April 29, 2016 | Not eligible | |
| Restricted application | Still availabe at FRA* if otherwise eligible for spousal benefits | Not eligible | ||
| Unmarried divorced spouse (Previously married > 10 years) |
File and suspend | Not applicable | ||
| Restricted application | Still available at FRA* as long as former spouse also > age 62 |
Not eligible | ||
| Parents with dependent/disabled | File and suspend | Still available at FRA*, must file by April 29, 2016 | Not eligible, but can still start-stop-start | |
| Surviving spouse | File and suspend or restricted application | New rules not applicable. Can still independently choose timing of when to start survivor and individual retirement benefits. | ||
| Individual | File and suspend | Must be FRA* and complete file and suspend by April 29, 2016, for future reinstatement | No future lump sum reinstatement | |
Relationships are key to our business but advisors are often slow to engage in specific activities designed to foster them.
Whichever path you go down, act now while you're still in control.
Pro-bitcoin professionals, however, say the cryptocurrency has ushered in change.
“LPL has evolved significantly over the last decade and still wants to scale up,” says one industry executive.
Survey findings from the Nationwide Retirement Institute offers pearls of planning wisdom from 60- to 65-year-olds, as well as insights into concerns.
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