The timeline for Social Security shortfalls just moved closer—and that uncertainty has many retirees asking hard questions. In this episode of Your Retirement, Your Way, financial planner Gary Garland unpacks what it could mean if Social Security benefits are reduced sooner than expected. The conversation explores how much retirees and pre‑retirees should rely on Social Security, why “salt versus steak” matters in income planning, and strategies for planning around potential benefit changes. Gary breaks down claiming decisions, tax impacts, Medicare consequences, and why stress‑testing your plan matters—no matter your age. This episode emphasizes preparation, flexibility, and building income sources beyond Social Security.

Click here to schedule your free conversation with Gary for a comprehensive review on tax reduction, investment optimization, and improvement or call 732-751-4677.

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