Many older Americans were disappointed in their 2025 Social Security cost-of-living adjustment (COLA). It's too soon to lock in a 2026 COLA with certainty, but there are estimates out there. The number may surprise retirees -- for better and for worse.

For many Americans who wish to preserve their lifestyle in retirement, Social Security probably won’t be nearly enough to cut it. Undoubtedly, your 401(k) and brokerage account will need to do some of the heavy lifting if you’re to sustain a retirement that’s comfortable and not leaning too heavily on one single pillar of retirement.

Social Security is a vital income source for retirees in the U.S., yet many overlook strategies to enhance their benefits.