Social Security is facing a 22% cliff — 4 ways to build an income stream Washington can’t touch
The countdown to insolvency is accelerating — and the rules of retirement planning just broke.
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# Social Security Insolvency Summary Social Security's trust fund faces a critical 22% benefit reduction cliff when its reserves deplete, forcing retirees to seek alternative income sources outside government programs through investments and private retirement accounts. This accelerating insolvency timeline is prompting financial advisors to recommend diversified portfolio strategies—potentially benefiting financial services firms, annuity providers, and investment platforms—as individuals shift focus from relying solely on Social Security to building independent retirement income streams.
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