ARA Practice Questions - ACAT Accredited Retirement Advisor (ARA) Exam

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In 2026, a 64-year-old beneficiary collecting Social Security earns $40,000 in wages. Her FRA is 67. Approximately how much of her benefit will be withheld under the earnings test?

$$0 - the earnings test does not apply before FRA $$1 for every $2 earned above the 2026 lower exempt amount of $24,360 $$1 for every $3 earned above the 2026 higher exempt amount 100% of the benefit until she reaches FRA

Correct Answer:

$$1 for every $2 earned above the 2026 lower exempt amount of $24,360

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