In other words, the people who have been responsible and who have actively used financial planners to help them plan for a certain level of retirement income have just had the rug pulled out from under them. Any retirement planner who had been planning on using the popular "file and suspend" strategy are part of their client's retirement program has just been made to look like a fool and has wasted countless hours over the past years or decades calculating the "file and suspend" projections into their client's retirement forecasts. Hundreds of thousands of hours of work by financial planners all across the country out the window at the stroke of a pen.