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Retirement Planners: Three things to be aware of that could reduce anticipated benefits

Many folks tend to make the mistake of assuming that the benefit amount reported to them on Social Security statements is a constant. Unfortunately, there are a few things that can cause that benefit amount to be curtailed, so it’s important for realistic planning purposes to be fully aware. They involve the so-called “Earnings Test” provision applied to benefits drawn before full retirement age, the impact of federal income tax on benefits, and the fact that some states apply an income tax to Social Security benefits. Check out this post by The Motley Fool’s Christy Bieber for more discussion on this topic.

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