Half of Social Security’s advice is wrong, misleading, or incomplete. Here’s a case where Social Security both under-estimated widows benefit and failed to pay spousal benefits for years. But with my software company’s help, one top staffer made things right.

Today’s Social Security column addresses questions about whether spousal benefits can affect later retirement benefits, filing for both retirement and survivor’s benefits and whether Social Security is moving payment days.

Social Security just upgraded its website in several very valuable ways. But the site still suggests you can accurately calculate your benefits using Social Security’s calculators. Not true.

Investing these days is really tough. Fortunately, economics-based financial planning offers clear ways to invest at risk while limiting or, indeed, eliminating your living standard downside.

Investing these days is really tough. Fortunately, economics-based financial planning offers clear ways to invest at risk while limiting or, indeed, eliminating your living standard downside.