Married Couples and Social Security

March 28, 2025

We were recently asked a question that led us to believe this week’s topic might be useful to many of you. While most of us are aware of how Social Security works, here are the five most important things every married couple should know about Social Security.  1) Nothing keeps you from getting your own benefit. If you’ve worked and paid taxes into the SS system for at least 10 years and have earned a minimum of 40 work credits, you can collect your own benefits as early as age 62.  2) There is no marriage penalty or limit to

Read More »

Blended Families

March 13, 2025

We frequently receive inquiries from family members of decedent owners of various insurance products where there is a disconnect between their impression of who the owner of the policy wanted to be a beneficiary, and who, in fact, ended up becoming the beneficiary. So, we thought to address that topic briefly in this commentary.  While you should always consult your personal attorney for legal questions, from a very general standpoint, the beneficiary of assets in retirement accounts such as IRAs, 401(k)s, and life insurance payouts are typically identified in the product documents. These designations supersede any conflicting instructions in your

Read More »
FRG Insurance Solutions Inc white
Main Menu
bbb rating a plus

By using this website, you accept our Term of Use and Privacy Policy. Information within this website may have been provided by third parties, including images displayed, and, while we believe this information to be accurate, we have not independently verified such information. Investments in securities are not FDIC insured, are not bank guaranteed and may lose value. Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. Before investing, consider your investment objectives, advisory fees, and expenses. Our investment advisory services are designed to assist clients in achieving discrete financial goals, but do not include tax or legal advice. Past performance does not guarantee future results, and the likelihood of investment outcomes are hypothetical in nature. Nothing on this website constitutes an offer, solicitation of an offer, or advice to buy or sell securities.

Advisory services are offered as Financial Resources Group, which operates through Gibbs Wealth Management (GWM), an SEC-registered investment adviser. Insurance products and services are offered through FRG Insurance Solutions, Inc. which is independent of GWM.

The content on this webpage is intended solely for informational purposes and is subject to the regulatory requirements applicable to GWM. Other pages on this website may contain content that is not subject to the same regulatory standards and should not be construed as part of GWM’s regulatory communications or offerings.

Scroll to Top