Will Social Security still be around when you retire? As fears about its future continue to rise, certified retirement counselor Mark Struthers cuts through the noise with a grounded, facts-first approach to solvency, accessibility, and the threat of termination.
Listen in as we talk about why full termination is highly unlikely, how accessibility issues have changed post-COVID, and what kinds of adjustments (like tax caps or delayed retirement ages) are on the table to help preserve the system. Whether you’re nearing retirement or decades away, this episode offers practical insights to help you plan with confidence.
What You’ll Learn:
- Why fears of Social Security termination are likely overblown.
- The real challenge of accessing Social Security services.
- What different generations should realistically expect and plan for.
- Annuities, bonds, and the role of diversification.
- The guardrail withdrawal strategy.
- Why planning is about facts, not fear.
Ideas Worth Sharing:
- “Our job as an advisor—and what you should be doing as a client—is to make an informed decision, meaning you need to weigh the pros and cons of both decisions.” – Mark Struthers
- “We’re still a very strong economy. We’re still the best house on the global block.” – Mark Struthers
- “Planning is about making a better decision. It’s about shining some light underneath the bed so you can sleep a little easier.” – Mark Struthers
Resources:
- Work with Mark Struthers
- Subscribe to our Healthy & Wealthy newsletter and get our 2025 Tax Cheat Sheet: Subscribe here
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Disclosure:
Investment advisory services are offered through Sona Financial LLC (DBA Sona Wealth Advisors, Sona Wealth, Sona Wealth Management), an investment adviser registered in the state of MN. Sona Financial only offers investment advisory services where it is appropriately registered or exempt from registration and only after clients have entered into an investment advisory agreement confirming the terms of engagement and have been provided a copy of the firm’s ADV Part 2A brochure and document.
This video or article is for educational purposes only and is not exhaustive. Nothing discussed during this show/episode should be viewed as investment advice. Diversification and/or any strategy that may be discussed does not guarantee against investment losses but is intended to help manage risk and return. If applicable, historical discussions and/or opinions are not predictive of future events. The content is presented in good faith and has been drawn from sources believed to be reliable. The content is not intended to be legal, tax, or financial advice. Please consult a legal, tax, or financial professional for information specific to your individual situation.
This content has not been reviewed by FINRA.