We believe it is important for you to be informed, and wanted to provide you with this week’s article because it is time sensitive and discusses strategies phased out as part of the Bipartisan Budget Act of 2015. The article states that “Those who are full retirement age or those who will reach it in the next six months will still have the opportunity to file-and-suspend before the crackdown takes effect after April 29, 2016. Furthermore, anyone who was born in 1953 or earlier (or Jan. 1 of 1954) will still be able to do a restricted application for spousal (or divorced ex-spouse) benefits, even if the filing doesn’t occur until years from now.” We’re always here to help, so please call us if you want to talk about this strategy.