{"id":15086,"date":"2023-05-03T11:13:14","date_gmt":"2023-05-03T16:13:14","guid":{"rendered":"https:\/\/johnsonwim.com\/?p=15086"},"modified":"2023-05-03T11:13:14","modified_gmt":"2023-05-03T16:13:14","slug":"raising-the-retirement-age","status":"publish","type":"post","link":"https:\/\/johnsonwim.com\/raising-the-retirement-age","title":{"rendered":"Is the Retirement Age Increasing in the USA?"},"content":{"rendered":"

As we live longer and healthier lives, many governments worldwide are reconsidering the age at which individuals can retire and start receiving pensions. Recently, a growing debate in the U.S. has been about raising the retirement age to 70. Here’s what it could mean for your retirement plan.<\/strong><\/p>\n

Congress has approved several new laws impacting employer-sponsored 401(k) plans but still hasn\u2019t addressed Social Security, which the government says will run out of money by 2033 if nothing is done.<\/span><\/p>\n

A proposal by a bipartisan group of U.S. senators, led by Maine independent Angus King and Republican Bill Cassidy of Louisiana, is among several efforts to overhaul Social Security. It would, among other things, increase the age for receiving full benefits to 70. That is expected to face stiff opposition in Congress and among senior advocacy groups.<\/span><\/p>\n

\u201cWe’re seeing it in France right now,\u201d says Curtis Ray, retirement planner and CEO of MPI Unlimited. \u201cThe initial reaction by the public is riots and protests because individuals work so hard, starting at 18, expecting a certain benefit to happen that they were promised. And now they talk about raising the age or cutting the benefits.\u201d<\/span><\/p>\n

While some argue that this is necessary to ensure the long-term sustainability of pension systems, others raise concerns about the impact on older workers, particularly those in physically demanding jobs.\u00a0<\/span><\/p>\n

Understanding Social Security Benefits<\/b><\/h4>\n

Although Congress has passed new laws that impact employer-sponsored 401(k) plans, they still need to address the issue of Social Security. Currently, Americans are eligible to claim early benefits at the age of 62, while the full retirement age is 66 or 67, depending on their birth month and year. As mentioned, Social Security is predicted to<\/span> become insolvent by 2033 unless action is taken due to people living longer<\/span><\/a> and receiving benefits for longer than initially anticipated.<\/span><\/p>\n

The proposed retirement age increase will likely face opposition from Congress and senior advocacy groups. Let’s dive deeper and explore the factors that affect the retirement age debate and examine its potential implications for society and individual retirees.<\/span><\/p>\n

How Raising The Age Will Affect Retirees\u00a0<\/b><\/h4>\n

Increasing the retirement age to 70 may have significant implications for workers in physically demanding jobs and women, who already face substantial challenges in<\/span> retirement savings. <\/span><\/a>Physically demanding jobs can affect workers’ health and well-being, making working difficult until they are 70. Similarly, women typically earn less than men over their lifetime and have less opportunity to save for retirement.\u00a0<\/span><\/p>\n

Raising the retirement age may worsen existing inequalities and create additional barriers for these already disadvantaged groups. They may also take time off work to care for children or elderly relatives, which can further reduce their earnings and savings. Policymakers must consider the effects of raising the age and the underlying factors contributing to retirement insecurity for these groups.<\/span><\/p>\n

Those Who Plan to Take Benefits Early Would See the Most Drastic Impact<\/b><\/h4>\n

As of December 31, 2022, the <\/span>Social Security Administration <\/span><\/a>reported that 9 out of 10 individuals aged 65 and older received Social Security benefits. Making them the group most likely to be impacted by an increase in the retirement age to 70. Moreover, those who elect to take benefits early receive 30% fewer monthly benefits than if they wait until full retirement age.<\/span><\/p>\n

On the other hand, <\/span>raising the retirement age to 70 leads to an 8% annual increase in benefits. <\/span>However, individuals who had hoped to retire early or supplement their income may need more support as their plans may be disrupted. They may need to continue working for another three years or face financial struggles without Social Security benefits, which is even more challenging. This can be particularly difficult depending on their health and overall financial situation.<\/span><\/p>\n

Alternatives To Raising The Retirement Age<\/b><\/h4>\n

The solvency of Social Security has been a topic of much discussion, with policymakers considering a range of proposals to address the issue. One alternative to <\/span>raising the retirement age is to increase payroll taxes,<\/span><\/a> which would provide additional revenue to the Social Security system.<\/span><\/p>\n

However, this proposal has faced opposition from various groups, including retirees and politicians. The ongoing debate underscores the need for a comprehensive solution that balances the financial sustainability of the Social Security system for the American people.\u00a0<\/span><\/p>\n

Ultimately, policymakers must work together to find a solution that ensures the long-term viability of Social Security while also providing a safety net for those who rely on it.<\/span><\/p>\n

People With Large Retirement Balances May Be Encouraged to Take RMDs Earlier<\/b><\/h4>\n

Many individuals plan to retire between the ages of 65 and 67. But factors such as job loss, and poor health,\u00a0 often lead to earlier retirement. Individuals can consider using taxable money from retirement accounts to bridge the gap between retirement and age. This not only helps manage finances but also reduces taxes in later years.<\/span><\/p>\n

The Secure Act 2.0 proposes increasing the age for <\/span>required minimum distributions (RMDs) <\/span><\/a>from retirement accounts to 73, with a further increase to 75. RMDs refer to the minimum amount individuals must withdraw from their retirement accounts once they reach a certain age.<\/span><\/p>\n

How Retirement Income Planning Can Help<\/b><\/h4>\n

As the debate about raising the retirement age continues, it is crucial to prepare for potential changes. Seeking advice from a<\/span> Fiduciary advisor<\/span><\/a> can help individuals plan for their retirement and navigate any adjustments that may arise. It is never too early to start planning, and the sooner one begins, the better off one will be. With ongoing discussions in Washington regarding retirement, it is essential to stay informed and adapt as necessary.<\/span><\/p>\n

With years of experience and knowledge, Matthew P. Johnson is a Fiduciary you can trust with your retirement planning needs. Johnson Wealth and Income Management’s mission is to bring intelligence, integrity, and truly individualized value-added investment management and advice to affluent investors, putting the clients first, and disregarding the agendas of Wall Street and the giant firms that dominate the industry. If you have any questions regarding the potential increase in retirement age, or want to learn more about our retirement income planning services, please contact us here today <\/a>to schedule a complimentary strategy session.\u00a0<\/span><\/p>\n

 <\/p>\n

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All written content on this site is for informational purposes only. Opinions expressed herein are solely those of Johnson Wealth & Income Management and our editorial staff. Material presented is believed to be from reliable sources; however, we make no representations as to its accuracy or completeness. Investing involves risk. There is always the potential of losing money when you invest in securities. Asset allocation, diversification and rebalancing do not ensure a profit or help protect against loss in declining markets. All information and ideas should be discussed in detail with your individual advisor prior to implementation. The presence of this website, and the material contained within, shall in no way be construed or interpreted as a solicitation or recommendation for the purchase or sale of any security or investment strategy. In addition, the presence of this website should not be interpreted as a solicitation for Investment Advisory Services to any residents of states where otherwise legally permitted to conduct business. Fee-based financial planning and Investment Advisory Services are offered by Sound Income Strategies, LLC, an SEC Registered Investment Advisory firm. Johnson Wealth & Income Management and Sound Income Strategies LLC are not associated entities. Johnson Wealth & Income Management is a franchisee of the Retirement Income Store. The Retirement Income Store and Sound Income Strategies LLC are associated entities. \u00a9 2023 Sound Income Strategies.<\/p>\n","protected":false},"excerpt":{"rendered":"

As we live longer and healthier lives, many governments worldwide are reconsidering the age at which individuals can retire and start receiving pensions. Recently, a growing debate in the U.S. has been about raising the retirement age to 70. Here’s what it could mean for your retirement plan. Congress has approved several new laws impacting […]<\/p>\n","protected":false},"author":1,"featured_media":15087,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"categories":[37],"tags":[105,363,361,362,136,148,308,291,360,364,301,63],"yoast_head":"\nIs the Retirement Age Increasing in the USA?<\/title>\n<meta name=\"description\" content=\"Recently, a growing debate in the U.S. has been about raising the retirement age to 70. 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