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Scenarios in which it may make sense to shift self-employment income from one spouse to another to optimize social security benefits and/or avoid social security tax

May 30 2025

Scenarios in which it may make sense to shift self-employment income from one spouse to another to optimize social security benefits and/or avoid social security tax

By John H. Robinson, Financial Planner (May 2025) Shifting self-employment income between spouses can optimize Social Security benefits and reduce tax liabilities in a narrow set of specific … [Read more...] about Scenarios in which it may make sense to shift self-employment income from one spouse to another to optimize social security benefits and/or avoid social security tax

Written by J.R. Robinson, Financial Planner · Categorized: Social Security, Tax Planning · Tagged: self-employment income, social security benefits, social security tax

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© 2005–2025 | Financial Planning Hawaii | Financial Planning Hawaii is an SEC-Registered Investment Adviser. The firm offers comprehensive financial planning guidance that includes ongoing discretionary and non-discretionary portfolio management guidance via a tiered, asset-based fee model described on the PRICING page of the Financial Planning Hawaii website. The firm also separately offers comprehensive financial planning reviews that do not include ongoing portfolio management for a negotiated flat fee. This service is marketed through the Fee-Only Planning Hawaii website. Fee-Only Planning Hawaii is a d/b/a name for Financial Planning Hawaii.

The Securities Exchange Commission requires all financial planners to provide certain disclosure information to prospective clients in advance and requires updated for existing clients at least annually. These disclosures include Financial Planning Hawaii's SEC Form ADV 2A & 2B, which provide a plain English description of the firm's business models and practices as well as the qualifications, experience and disclosure histories of all of FPH's registered investment adviser representatives. The SEC's disclosure requirements also require advance delivery of SEC Form CRS (Customer Relationship Summary). The purpose of this form is to provide consumers with a concise, transparent summary of the firm's services, fee schedules, and potential conflicts of interests. It also suggests important questions that all prospective clients may wish to ask before enlisting a financial planner to serve as an investment adviser. Links to Financial Planning Hawaii's SEC ADVs and Customer Relationship Summary are provided below.

Additional Disclosures

Although representatives of Financial Planning Hawaii may review client tax and legal documents, deliver tax-reporting documents, and raise awareness of potential tax and/or estate planning related mistakes or opportunities, none of this information should be construed as constituting specific tax or legal advice. All clients are encouraged to consult with their respective CPAs and/or attorneys for such guidance.

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