财务规划师希望您了解有关社会保障的哪些信息。 What financial planners wish you knew about Social Security.

八分之一的成年人不知道自己有资格通过社会保障获得全额退休福利。 1 in 8 adults is unaware of their eligibility for full retirement benefits through Social Security. 尽管该计划已存在近 90 年，但对该计划的误解仍然存在，包括如果收入超过一定阈值，在完全退休年龄之前工作可能会减少福利，如果没有要求，可能会从福利中扣税，以及未亡配偶不能同时领取自己的和未领取的福利。他们已故伴侣的福利。 Misunderstandings about the program persist despite its nearly 90-year existence, including the fact that working before full retirement age may reduce benefits if earnings exceed certain thresholds, taxes may be withheld from benefits if not requested, and surviving spouses cannot collect both their own and their deceased partner's benefits. 为了优化社会保障福利，建议个人咨询财务专业人士，并根据健康、家族史、婚姻状况和财务状况等因素制定个性化计划。 To optimize Social Security benefits, individuals are advised to consult with a financial professional and create a personalized plan based on factors such as health, family history, marital status, and financial circumstances.