With so many debates being held in this presidential election year, it's interesting how little discussion there has been about making Social Security great again. So far, no candidate has offered meaningful ideas for achieving this. Yet, it's crystal clear that without serious reform, Social Security retirement benefits will change – for the worse.

Tell your clients The Rule of 29, namely: "In 2029, the trust funds will be exhausted, requiring a 29 percent reduction in benefits…"

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