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That Financial Guy
That Financial Guy is a podcast dedicated to making financial planning and investing easy to understand and to implement. Keith and Jack Wilson are practicing financial advisors who own a financial planning firm, Wilson Financial Advisors. They are a father and son team "spreading a wealth of information" helping you along your personal finance journey. Whether its personal finance including investments, retirement planning, estate planning, financial planning, college funding, budgeting and more you will find it here! Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC.
That Financial Guy
Social Security Timing: Spousal and Survivor Benefits You Can't Afford To Get Wrong!
Your Social Security filing decision isn’t just about you, it’s about your spouse, your survivor, and your family’s long-term income.
In this episode of That Financial Guy Show, I break down one of the most misunderstood parts of retirement planning: spousal and survivor benefits. You’ll learn:
• How spousal benefits actually work and why they’re capped at 50% of your spouse’s Full Retirement Age amount
• How delaying your own benefit can permanently raise your spouse’s survivor benefit for life
• What divorced spouses need to know, including the 10-year rule and the remarriage age cutoff
• How recent changes in 2025 repealed the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO), increasing benefits for millions of retirees
• Smart timing strategies to coordinate Social Security with pensions, annuities, and portfolio income
• How to protect your plan from the sequence-of-returns risk in early retirement
If you’re married, divorced, or just starting to plan your retirement income, this episode will help you make smarter, more confident Social Security decisions — and maybe even boost your lifetime benefits
Helping you to be wise with your money!
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