04/16/2026
Thank you to everyone who joined my webinar on the Basics of Social Security and Investing. It was a pleasure to connect with you and discuss these critical pillars of retirement planning.
As promised, I have included the recording of the session for you to review at your convenience: https://zoom.us/rec/share/ogOhMH6xLdRXxFj1y84RgXvVTtO7goAQzBcoHX0CNk_HrFnNJtcAQvKJlYwKEQ_o.hRpfXshqa-xpD3Aj?startTime=1776268889000
Passcode: 9P!3WN!G
I also wanted to take a moment to address some of the excellent questions raised in the chat during our session:
(Delaying Benefits): Deciding when to start your benefits is a significant choice. While you can begin as early as age 62, doing so results in a permanently reduced monthly benefit—typically around 70% of your full amount. For those born in 1960 or later, the Full Retirement Age (FRA) is 67, where you receive 100% of your scheduled benefit. Delaying beyond your FRA can result in an even larger monthly check due to delayed retirement credits.
(The Earnings Limit): The Social Security retirement earnings test only applies to "earned income," which consists of wages from an employer or net earnings from self-employment. It does not include "unearned income" such as pensions, annuities, or distributions from retirement accounts like IRAs or 401(k)s.
(Taxation of Income): You are absolutely correct that while retirement distributions and pensions may not count toward the "earnings limit" for benefit reductions, they do count toward your total annual income. This can have significant tax implications, as Social Security benefits may be subject to federal income tax depending on your overall income levels.
Best Regards,
Zoom is the leader in modern enterprise video communications, with an easy, reliable cloud platform for video and audio conferencing, chat, and webinars across mobile, desktop, and room systems. Zoom Rooms is the original software-based conference room solution used around the world in board, confer...
