“We don’t patch broken systems. We replace them.”

The United Retirement Pact Act of 2025 — a full replacement for Social Security.

What It Replaces

The current Social Security system is mathematically unsustainable. It relies on debt, outdated assumptions, and political avoidance. By 2033, the trust fund is projected to run dry — meaning real cuts for real people.

Politicians keep pretending we can “fix” it with minor tweaks. That’s a lie. We don’t need band-aids. We need a full replacement — and that’s what the TARS Act delivers.

“You can’t reform what was never sustainable. You replace it — with something better, fairer, and future-proof.”

What the TARS Act Builds

Effort-Based Contributions
Higher earners contribute more, but everyone earns their retirement based on work — not handouts.
Guaranteed Base Benefit
No one who works 20+ years retires with nothing. Everyone gets a floor — regardless of income.
COLA + Regional Adjustments
Benefits rise with inflation and account for regional cost-of-living — not just national averages.
Inheritance of Funds
If you die early, your unused retirement savings don’t vanish — they go to your family.
Survivor Benefit Caps
The system prevents multi-spouse fraud while still protecting families and dependents.
Cybersecurity by Law
The fund is legally protected with modern encryption, audits, and strict digital safeguards.
Anti-Fraud Enforcement
The TARS Act uses SSA-level tools to detect fraud early — and prosecute it hard.
Independent Oversight
A nonpartisan board manages the fund, with no political control over daily operations.
National Reserve Fund
Built-in fiscal buffers absorb downturns without threatening retirement payouts.

How It Works

The TARS Act uses a tiered structure: the more you work, the more you earn — but no one falls through the cracks. Instead of depending on IOUs and political funding gimmicks, your retirement is backed by real contributions, real oversight, and real legal protection.

Benefits are calculated based on your work history and earnings. Every year you work adds to your payout. You can retire as early as 55 with reduced benefits, or wait until 62 for full payout. If you die early, your balance is passed to your family — not swallowed by the system.

“Retirement should reward work — not just survive politics.”

Full Bill Access

The United Retirement Pact Act of 2025 is still being finalized. Once ready, you’ll be able to download the full text here — complete with statutes, formulas, eligibility rules, and implementation plans.

For now, you can read the core principles above — or contact me directly if you want to see a working draft.

“This bill isn’t a pitch. It’s a replacement — built for reality, not applause.”