fpPathfinder

Helping Diligent Advisors Ensure They're On The Right Planning Path

Will I Avoid Social Security’s Government Pension Offset?

Blurred Flowchart

Become a Member to view.
Already a member? Login Here

Become a Member
View Sample

Clients who are receiving a government pension and a Social Security spousal, widow, or widower benefit based on their spouse or ex-spouse’s work history may be impacted by the Government Pension Offset (“GPO”).

To help make the GPO rules easier for clients to understand, we have created the “Will I Avoid Social Security’s Government Pension Offset?” flowchart. It addresses some of the most common issues that arise for a client that might be subject to the GPO, and considers the following:

  • Impact of certain key dates
  • Required Social Security contribution period to avoid GPO
  • GPO calculation
  • Impact on Medicare

 

Updated 11/15/2020

Get Instant Access and Navigate The Growing Complexity of Financial Planning.

Financial Planning is complex. It’s easy to forget a rule or become confused. Just when you think you have it figured out, the rules change. With fpPathfinder you can be a more diligent advisor and systematize your planning process.
Become a Member See a Sample

What Customers Are Saying About Us

Hundreds of other advisors are actively using fpPathfinder. Read what those lovely people have to say about us.
“fpPathfinder is a great tool! It mirrors much of what I've developed on my own for tax planning, life events, etc. However, it's been great to double-check my own work in those areas and also to motivate me to deepen my knowledge on other topics”
— Jonathan, an advisor in Colorado
“I adore your product. It’s so helpful to my clients and myself. I really like that I could change all the colors to match my logo. It looks fantastic.”
— An advisor in Washington
“I really love the flowcharts and they are helping me explain difficult decision points/rules to my client base. In fact, I plan to upgrade so I can use some of the material on my website with my own branding.”
— An advisor in Texas
“Our team has really liked the charts and were particularly pleased with the traditional IRA vs. 401k for a business and the QBI chart.”
— Scott, an advisor in Oregon
“My clients and COIs love these. I’ve shown the medicare IRMAA flowchart to a Medicare consultant I work with and she loved it”
— Steve, an advisor in Ohio
“fpPathfinder is the only planning tool that tries to address all of the obstacles facing our clients”
— Cathy Curtis, Curtis Financial Planning
“You just continue to put out great content on fpPathfinder. The 'What Issues Should I Consider Before The End Of The Year' checklist is fantastic.”
— Chris, an advisor in Illinois
Become a Member

Recent Blog Posts

Sign Up to Receive Updates

Join our mailing list to be updated as we release new flowcharts and checklists that might be of interest.
  • This field is for validation purposes and should be left unchanged.