Byron Moore, CFP® and Mike Jones

Social Security

Retirement Budgeting: Don't Forget Your Meds

By Byron Moore, posted August 22, 2018

The following segment first aired on KEDM 90.3.

Medical expenses are likely to be a significant budget item for most retirees.

Click the picture above to play/pause audio.

When should I begin taking my Social Security?

By Byron Moore, posted August 21, 2017
Originally published in the News Star and the Shreveport Times on Sunday, August 20, 2017.

SSA money_dm.jpgQ:  When should I begin taking my Social Security?

A: If you’ll tell me how long you’re going to live, I can give you a perfect answer to that question.

For everyone else, we’re going to have to make an informed guess.

Is my ex-wife entitled to my Social Security benefits?

By Byron Moore, posted August 3, 2015
Originally published in the News Star and the Shreveport Times on Sunday, August 2, 2015.

Question: I have been married to my ex wife for 6 1/2 years. We still live together but we are not married. Is she entitled to survivor benefits? We are now 16+ years and we have had kids after our divorce. Please explain.

Answer: You’re telling me you are married to your ex-wife, and you want me to explain?

I’m going to have to make a few assumptions here: you were married for 6 ½ years. Then you got divorced. But you’re saying you’ve been together for a total of 16+ years. If so, you were married 6 ½ years, divorced, but stayed together another 10 years after that.

And, you had children together after your divorce.

I’ve heard people say they get along well with their ex, but that’s getting along pretty well.

How does Social Security determine my retirement benefit?

By Byron Moore, posted April 20, 2015

Originally published in The News Star and The Shreveport Times on Sunday, April 19, 2015.

Question: I have worked in the corporate world all my career. I’ve paid the maximum possible into Social Security most of that time. My wife, on the other hand, has been a teacher in a private school for her career. We both got our Social Security estimates online the other day and I could not believe how close they were. My income was multiples of hers, but she’s getting nearly half of what I’m getting. How does that work?

Answer: The deck is not exactly stacked in your favor.

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