Full retirement age (FRA) for Social Security benefits is currently between 66 and 67, depending on when you were born. Benefits are determined based on your 35 highest years of earning on record with the Social Security Administration, but will be higher or lower depending on when you file. If you file at FRA, you’ll get your full monthly benefit.
Retirement may seem like an elusive dream that you don’t believe you’ll ever reach. Or maybe you think that because of your age, you don’t need to start saving now. The Participant EffectSM is here to tell you that you CAN achieve your retirement goals and it’s NEVER too early or too late to start.