An advisor who can provide good retirement planning information to government employees can be of enormous value, particularly when it comes to Social Security.  The truth is that very few people really understand how Social Security integrates with “non-covered” pensions.  That is, pensions, often for state and local government employees, where the employee doesn’t pay into the Social Security system.

Frankly, the two government provisions, Windfall Elimination Provision (WEP) and Government Pension Offset (GPO), are some of the most difficult Social Security concepts to grasp.  But if you’re working with government employees, chances are good that it’s going to come up.  So you need to understand at least the basics.

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