What if Social Security looks very different—and sooner than expected? In this episode, Raphael Vallier breaks down a new proposal to cap benefits and extend the program’s lifespan, along with what it could mean for retirees. The conversation explores how potential cuts, claiming strategies, and shifting policies could impact income in retirement. Raphael also highlights the importance of planning around uncertainty by building alternative income sources, stress-testing your strategy, and considering proactive tax approaches. It’s a timely look at why relying too heavily on one source of income may leave gaps—and how to think more broadly about financial flexibility in retirement.

If you’re ready to map out your financial future, schedule your complimentary consultation with Raphael and his team here.