The Social Security Administration sends a second check to about one-third of retired workers after 12 months. The checks add up to around $1,000 and are deposited into the bank account on the same day as the first check is issued. How will this process change in coming years?

“bob carlson reviews” is a blog that discusses the latest news, trends, and updates related to retirement. It has been said that if you are not retired by age 70, then you will not receive your second social security check.

Hello, and thank you for visiting. Today, we’ll talk about Carlson, Bob’s presentation, which promises to show you how to get a “Second Social Security check.”

According to Mr. Carlson, it might pay you anything from a few hundred to a few thousand dollars every month in addition to your usual social security check, depending on your position.

Even if the stock market plummets or the economy suffers a severe downturn.

Is it the genuine thing or just a ruse?

It is not a fraud, according to my study. However, you must join Mr. Carlson’s Retirement Watch Spotlight Series to obtain all of the information on how to profit from his “Second Social Security check” technique. This will set you back $139 for a year or $199 for two years.

So, in this piece, I’ll explain what this “check” is and how Retirement Watch Spotlight works to help you determine if it’s worth paying.

Is it Possible to Receive a “Second Social Security” Check?

Bob Carlson claims that you may establish a “Second Social Security” check that would give you a “guaranteed income for life” in a presentation on the Retirement Watch website.

It’s a “great alternative to IRAs and 401(k)s,” according to Mr. Carlson, since it provides a “steady, consistent, and predictable monthly income for life,” regardless of market conditions. As a result, he claims you may “put an end to any concerns about outliving your money.”

What he said in his presentation reminded me of another Tim Plaehn product, the 36-Month Accelerated Income Plan, which I wrote about recently.

In summary, Mr. Plaehn claims that two of the most common anxieties among retirees are running out of money and a stock market catastrophe. Which is understandable given that one of these scenarios may possibly destroy an otherwise enjoyable retirement.

While Mr. Carlson’s answer differs from Mr. Plaehn’s, these are the two key challenges he tackles in his presentation.

The “Second Social Security check,” he claims, may enable you “enjoy a guaranteed lifelong income.” And that it makes no difference if the stock market collapses, the economy tanks, or interest rates rise or fall.

In other terms, he implies that it is “bulletproof.”

He also emphasizes the need of paying attention right now. Mr. Carlson claims that beginning in 2022, “US Social Security will be underwater,” and that it would run out of money entirely 12 years later. If that’s the case, it’s a little alarming (to say the least).

Is he telling the truth?

“The Social Security trust fund most Americans depend on for their retirement will run out of money in 12 years,” according to a CNBC report from August 2021.

As a result, it seems that what he claims about Social Security running out of funds is correct. In fact, it seems that it may happen a year sooner than he predicted in his presentation. Of course, this does not guarantee that it will happen, but Mr. Carlson is speaking from experience.

What exactly is the “Second Social Security” payment?

Is it legal, as well?

About begin with, Mr. Carlson is not referring to receiving a real social security payment. He may refer to it as a “second Social Security check,” but that isn’t what he means.

Instead, it seems that he’s talking about something called annuities.

I’m not sure since he doesn’t mention so in the presentation, but it seems like when he says “second Social Security check,” he’s referring to an annuity.

Why am I stating this?

For starters, he names three well-known persons (Babe Ruth, Ben Bernanke, and Elaine Larson) who allegedly received a “Second Social Security” check:

Retirement-Watch-Spotlight-Second-Social-Security-Check Source:

I conducted some Googling and discovered that everyone of these individuals had invested in annuities. And the remark from Elaine Larsen that Mr. Carlson published (above) was taken from an article in the Retirement Income Journal, which confirms she was talking about an annuity.

Here’s the quotation (pay attention to the first few words and compare it to the example above):

The annuity has given me a fresh perspective on the next part of my life. It has helped me to unwind. I’m not interested in the negative aspects of things. I’m considering my options for the future. is a good place to start.

What exactly is an annuity? Because I’m not a financial adviser, I recommend speaking with a professional and doing your own study on this subject.

However, an annuity is an insurance contract issued and dispersed by financial organizations that provides a guaranteed income stream, according to Investopedia. They may also “give consumers with a consistent income flow throughout their retirement years.”

The Investopedia article I just linked to does a fantastic job of explaining what annuities are, how they operate, various kinds of annuities, and so on.

If you want to understand more, it’s certainly worth a read.

I also came across a YouTube video that explains the many kinds of annuities and the various financial organizations that sell them, which you may find useful:


So, based on my study, annuities seem to correspond to what Bob Carlson discusses in his presentation. Even if this is what he’s talking about, it’s still unclear what kind of annuity he’s talking about. Much less the details around it.

How do you get all of the information?

Bob Carlson claims to have prepared a presentation called “How to Generate Guaranteed Lifetime Income” that explains everything.

You’ll need to join the Retirement Watch Spotlight Series to get access to that lecture. So, to give you a better sense of what to anticipate, let’s have a look at what this is all about and how it works.

What Is the Spotlight Series on Retirement Watches?

The Retirement Watch Spotlight Series is a monthly video presentation in which Bob Carlson “spotlights” the most pressing issues confronting retirees and offers practical solutions. It’s better to think of it as the “60 minutes” for retirees, according to him.

That’s why, once a month, I highlight the most recent developments — as well as the most pressing retirement challenges – and break them down into a simple, easy-to-understand video presentation.

You’ll also receive helpful action actions for each key topic at the conclusion of each presentation.

Consider it the equivalent of “60 Minutes” for retirees.

The Retirement Watch Spotlight Series, according to Mr. Carlson, includes issues such as IRAs and 401(k), avoiding taxes, safeguarding and increasing money for retirement, and more.

He compares it to “having a top financial retirement adviser available 24 hours a day, 7 days a week” who is up to speed on the newest news and legislation affecting retirement.

Overall, it seems to be a useful resource for retirees.

How much does it set you back?

The What Is the Retirement Watch Spotlight Series has two membership choices.

For one year, the first option costs $139.

This offers you access to 12 monthly video presentations, as well as the “How to Generate Guaranteed Lifetime Income” presentation, which leads you through Mr. Carlson’s “Second Social Security” check approach that we covered before, and two bonus reports:

  • The IRA Investment Guide: A Road Map for Avoiding IRA Investment Traps and Penalties
  • Bob Carlson’s IRA Inheritance Guide

The second choice is $199 for a period of two years.

This method is more expensive up front, but it saves you money in the long term. You also seem to have access to the same two additional reports mentioned above.

Is it possible to request a refund if you’re unhappy with the service? No, according to the company’s website, this service does not provide returns.

Who is Bob Carlson, and where did he come from?

1634278578_735_Retirement-Watch-Spotlight-Second-Social-Security-CheckBob Carlson

Bob Carlson is a former accountant and attorney who is considered one of the top retirement specialists in the financial education industry.

Mr. Carlson began producing financial newsletters in the 1980s, according to his description on the Retirement Watch website. He was the editor of a newsletter called Tax-Wise Money in particular.

This prompted him to publish a book titled Retirement Tax Guide, and in 1991, he founded Retirement Watch, a monthly retirement newsletter that is still active today.

Retirement Watch is one of the most popular and well-regarded publications in the retirement niche, and it is still going strong. It also goes well with the Retirement Watch Spotlight Series.

And I say this because, whereas Bob Carlson’s Retirement Watch newsletter is a monthly write-up summarizing his latest research, thoughts, and suggestions, the Spotlight Series is a monthly film focusing on retirement. As a result, the two are inextricably linked.

To discover more, read my review of the Retirement Watch newsletter. I explain how it works, what you receive if you join up, how much it costs, and so on in that article. As a result, you may find it useful.

Bob Carlson is an experienced author, a senior writer to Forbes, and has handled billions of dollars for pension funds over the years, in addition to Retirement Watch. So he’s more than simply a newsletter writer; he’s a retirement investment specialist.


The “Second Social Security check” mentioned by Bob Carlson on the Retirement Watch website isn’t really a second Social Security check. Instead, it looks to be a retirement plan centered on annuities, based on my study.

Mr. Carlson explains his retirement approach in a video titled “How to Generate Guaranteed Lifetime Income,” which you can see for $139 or $199 if you join the Retirement Watch Spotlight Series. So that’s the best way to be sure and collect all of the facts.

Is this the genuine article?

Because I am not nearing retirement, I did not participate in the Retirement Watch Spotlight Series and hence cannot comment on its value.

However, from what I’ve seen, Bob Carlson is a true retirement specialist, and Retirement Watch has been operating for more than 30 years. So, although the entire “Second Social Security” idea should be taken with a grain of salt, I don’t think it’s a hoax.

However, when it comes to investing, there are always hazards.

So, although Mr. Carlson’s method may attempt to provide you with “guaranteed income for life,” there is always the chance of losing money. This is why it’s important to do your own research before making any decisions, in order to determine what’s best for you and your situation.

Whatever you choose, I hope you found this article useful.

Thank you for taking the time to read this.

The “lifetime retirement protection program” is a new program that will be put in place by the Social Security Administration. The program will help older Americans who are struggling to make ends meet.

Frequently Asked Questions

Who is Bob Carlson retirement Watch?

A: The Bob Carlson is a popular brand of watches designed by John W. Daniels in New York, USA. The company was founded in 1891 and sold its first watch in 1892. In 2000, the company became a member of Swatch Group which gives them access to Swiss movements and materials for their watches so they can be manufactured with precision within regulated parameters that ensure reliable timekeeping accuracy according to ISO standards after being tested from certified laboratories from Switzerland

What is retirementwatch com?

A: This is a private social media site.

What law is Bob Carlson about?

A: Bob Carlson is the protagonist of a book by Robert B. Parker, entitled The Godwulf Manuscript. The law firm that he works for is also called Bob Carlson and Associates Law Offices.

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