The most recent changes to Social Security have left many Americans with questions—and for good reason. A landmark bipartisan bill has repealed the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO), placing more money into the pockets of retirees across the country. But what do these changes really mean for retirees?

In this episode, SHP Financial’s co-founder Matthew Peck is joined by Chase Reardon to unpack the impact of these legislative changes. Chase has helped hundreds of clients navigate the complexities of Social Security—and today, he’s breaking down the WEP and GPO repeal, who it affects, and what actions (if any) need to be taken.

In this conversation, you’ll learn how repealing the WEP and GPO affects both individual and spousal benefits, who may now be eligible for payments when they were previously denied, and what to do if you suspect you’re impacted. They’ll also touch on the broader retirement income strategy, including the pros and cons of working past retirement age, and how Social Security fits into your withdrawal plan.

In this podcast interview, you’ll learn:

• What the WEP and GPO provisions were and why they were repealed in 2025.
• Who benefits from the repeal and how payments are being issued.
• What actions spouses may need to take to receive additional benefits.
• Why the timing of your Social Security claim can significantly impact your income.
• How to use breakeven analysis to make a confident, data-backed filing decision.

Want the Full Show Notes?

To get access to the full show notes, including audio, transcripts, and links to all the resources mentioned, visit SHPfinancial.com/podcast

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