1. Social Security
What You Need to Know to Help Maximize Your Retirement Income
Thanks for coming to my seminar on Social Security. Today, we’ll highlight what you need to know to help maximize the amount of retirement income you receive from Social Security.

2. Choosing when to start Social Security payments may be one of the most important decisions you make in the retirement income planning process
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Choosing when to start Social Security payments may be one of the most important decisions you make in the retirement income planning process.
It can have a significant impact on how much guaranteed income you and your spouse receive for life!

3. It can have a significant impact on how much guaranteed income you and your spouse receive for life!
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Choosing when to start Social Security payments may be one of the most important decisions you make in the retirement income planning process.
It can have a significant impact on how much guaranteed income you and your spouse receive for life!

4. For example, if you were 60 years old with maximum career earnings and started benefits at age 66: You could receive more than $630,000 over the next 20 years
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For example, if you were 60 years old with maximum career earnings and started benefits at age 66, you could receive more than $630,000 over the next 20 years.
And that’s not even including annual cost of living adjustments or spousal benefits if you’re married!
[Script]
For example, if you were 60 years old with maximum career earnings and started benefits at age 66, you could receive more than $630,000 over the next 20 years. And that’s not even including annual cost of living adjustments or spousal benefits if you’re married!
This hypothetical example is based on a 60-year-old with work earnings that reach or exceed the annual income used to calculate Social Security benefits. It assumes that benefits begin at Full Retirement Age of age 66. The maximum monthly benefit for this retiree is $2,639 in From age 66 to 88, the retiree would receive a total of $633,360, excluding cost-of-living adjustments (COLAs) or any available spousal benefits.
Source:

5. And that’s not even including annual cost of living adjustments or spousal benefits if you’re married!
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For example, if you were 60 years old with maximum career earnings and started benefits at age 66, you could receive more than $630,000 over the next 20 years.
And that’s not even including annual cost of living adjustments or spousal benefits if you’re married!
[Script]
For example, if you were 60 years old with maximum career earnings and started benefits at age 66, you could receive more than $630,000 over the next 20 years. And that’s not even including annual cost of living adjustments or spousal benefits if you’re married!
This hypothetical example is based on a 60-year-old with work earnings that reach or exceed the annual income used to calculate Social Security benefits. It assumes that benefits begin at Full Retirement Age of age 66. The maximum monthly benefit for this retiree is $2,639 in From age 66 to 88, the retiree would receive a total of $633,360, excluding cost-of-living adjustments (COLAs) or any available spousal benefits.
Source:

6. Understanding Your Choices How to Decide When to Start
Strategies to Help Maximize Your Retirement Income
This presentation will provide you with information, ideas and tips on how to maximize your Social Security benefits. First, we’ll discuss the Social Security retirement benefit options that are available to you.
Then we’ll go over the steps you should take to decide when is the best time to start Social Security, and finally, we’ll take a look at a number of different filing strategies.

7. Understanding Your Choices
Year of
Birth
Full Retirement Age 66
1955
months
1956
months
1957
months
1958
months
1959
months
1960 and later 67
Take early payments (age 62-66, depending upon your year of birth)
Start benefits at Full Retirement Age (age depending on your year of birth)
Delay and get even more (from Full Retirement Age to age 70)
Capitalize on spousal benefits
Enhance survivor income
The first step in maximizing your Social Security benefits is to know your options and understand how they work. When it comes to taking benefits from Social Security, you have 5 main options:
Take early payments between ages 62-66, depending upon your year of birth
Start benefits at Full Retirement Age. This is the age that you’ll receive full benefits from Social Security. The Full Retirement Age ranges from age 65-67, depending on your date of birth. The older you are, the sooner you’ll be able to access full benefits. As you can see from this table, for people in their fifties and sixties, their Full Retirement Age is between 66 and 67 years old.
Delay and get even more. By waiting until after your Full Retirement Age to take benefits, you’ll be able to increase your benefits even more. We’ll discuss how that works in a later slide.
Capitalize on spousal benefits. If you’re married, you may be eligible to receive a spousal benefit—even if you are not entitled to any Social Security benefit based on your own earnings record.
Enhance survivor income. Finally, it’s important to consider survivor benefits in managing your Social Security benefits. By delaying payments until age 70, you may be able to increase the amount your spouse receives once you pass away.
With most of these options, the later you claim, the more you can receive from Social Security!
Source: Social Security Administration
The later you claim, the more you can receive!

8. Option 1: Take It Early
Social Security can begin as early as age 62, but workers’ benefits will be reduced by as much as 30%
If you begin benefits at age 62 and your Full Retirement Age is:
Your $1,000 benefit will be reduced to:
That’s a percentage decline of: 66
$750
-25%
66 and 2 months
$741
-26%
66 and 4 months
$733
-27%
66 and 6 months
$725
66 and 8 months
$716
-28%
66 and 10 months
$708
-29% 67
$700
-30%
Your first option is to take benefits early. Social Security can begin as early as age 62, but workers’ benefits will be reduced by as much as 30%, depending on your Full Retirement Age. As you can see from this table, the earlier you take payments in relation to your Full Retirement Age, the bigger your reduction.
For example, if you begin benefits at age 62 and your Full Retirement Age is 66, your $1,000 benefit will be reduced 25% to $750. If your Full Retirement Age is even later at age 67, your $1,000 benefit will drop 30% to $700!
Source: Social Security Administration

9. Option 2: Start at Full Retirement Age
You’ll receive at least 100% of your Social Security benefits if you claim at Full Retirement Age or later
Plus, you’ll have the opportunity to add more earnings to your work record
Social Security benefits are based on the average of your 35 highest years of earnings
Work longer and potentially increase your average earnings
The second option is to start benefits at Full Retirement Age. By claiming at Full Retirement Age or later, you’ll be able to receive 100% or more of your Social Security benefits.
Plus, you’ll have the opportunity to add more earnings to your work record. Social Security benefits are based on the average of your highest 35 years of earnings up to a maximum amount. If you haven’t worked at least 35 years or if you had low income in many of those years, working longer may add higher earnings into your work record, resulting in greater Social Security benefits at retirement.

10. Option 3: Delay and Get Even More
Waiting until after your Full Retirement Age to begin payments can increase your benefits by up to 8% a year
The yearly rate of increase depends on your year of birth
Increases end after you reach age 70, even if you continue to delay taking benefits
Year of Birth 
Yearly Rate of Increase  
+6.0%  
+6.5%  
+7.0%  
+7.5%
1943 or later 
+8.0%
In addition, if you delay the start of your Social Security benefits until after Full Retirement Age, you have the opportunity to earn even more.
Delaying payments until after your Full Retirement Age will allow more “delayed retirement credits” to accrue, increasing your benefits by up to 8% a year. The yearly rate of increase depends on your year of birth. As you can see from this table, if you were born after 1943, your annual benefit can increase 8% every year from Full Retirement Age to age 70. There is no additional benefit increase after you reach age 70, even if you continue to delay taking benefits.
Note: The rate of increase is calculated as simple interest on your benefit at Full Retirement Age.
Source: Social Security Administration

11. Option 4: Capitalize on Spousal Benefits
If you are married, you will generally receive the greater of your own benefit (based on your individual earnings record, if applicable) or up to 50% of your spouse’s full benefit
Spousal benefit is reduced up to 35% if claimed prior to your Full Retirement Age
Divorced spouses can receive spousal benefits if marriage lasted at least 10 years and recipient is currently unmarried
Another way to help increase your Social Security benefits is by capitalizing on spousal benefits. If you are married, you will generally receive the greater of:
Your own benefit based on their individual earnings, or
Up to 50% of your spouse’s full benefit. This is known as the “spousal benefit.”
Similar to your own benefit, the spousal benefit is reduced up to 35% if claimed prior to your Full Retirement Age. The sooner you claim, the more your reduction. Please note that claiming any type of benefit prior to FRA is deemed to be claiming all types of benefits to which the recipient is entitled.
In addition, if you’re divorced, you can still receive benefits based on your ex-spouse’s record if your marriage lasted at least 10 years, you’ve been divorced at least 2 years, both parties are at least age 62 and you’re currently unmarried. If you remarry, you generally cannot collect benefits based on your ex-spouse’s benefits (unless your second marriage ends either by death, divorce or annulment).

12. Option 5: Enhance Survivor Income
Widow(er)s can keep their own benefit or switch to the deceased spouse’s benefit if it is higher
Survivor benefits are available as early as age 60 (age 50 if disabled) but they will be reduced by up to 28.5% if claimed before the recipient’s Full Retirement Age
The fifth option we’ll discuss here is to enhance survivor income. Widow(er)s have the option to keep their own benefit or switch to the deceased spouse’s benefit if it is higher.
Survivor benefits are available as early as age 60, but they will be reduced by up to 28.5% if claimed before the recipient’s Full Retirement Age. A widow or widower who is disabled can get benefits as early as age 50. A divorced widow or widower may also be eligible for benefits.
For retirees who anticipate a shorter retirement due to health or other reasons, survivor benefits should be considered during the retirement income planning process, in order to help ensure that their spouse has optimal benefits throughout the rest of their lives.

13. Understanding Your Choices How to Decide When to Start
Strategies to Help Maximize Your Retirement Income
Now that we’ve discussed the Social Security options available to you, we’ll take a look at how to decide when to start.

14. 5 Keys to Deciding When to Start
Estimate your Social Security benefits
Consider how long your retirement will last
Determine if you will continue working
Look at the tax consequences
Consider the impact to potential Survivor Benefits
When it comes to deciding when to apply for Social Security benefits, there are 5 keys to making the right choice:
Estimate your Social Security benefits
Consider how long your retirement will last
Determine if you will continue working
Look at the tax consequences
Consider the impact to potential Survivor Benefits

15. Estimate Your Benefits
Determine how much income you’ll need to retire
Use the online calculator at to see how much you’ll receive from Social Security
First, you should take a few minutes to estimate your Social Security benefits and see how that relates to your retirement income needs and goals.
Start by determining how much income you’ll need to retire. Many financial experts estimate that you’ll need at least 70-80% of your current annual income to maintain your lifestyle in retirement.
To get an idea of how much guaranteed income Social Security can provide, use the online calculator on the Social Security website ( Input your personal information and Social Security card number and you’ll get the most recent updates of how much you’ll receive at age 62, Full Retirement Age and age 70. These numbers will help you determine if it makes sense to delay or start Social Security right away. [ ]
PLANNING TIP: Use the results to help you determine if it makes sense to delay or start right away

16. Consider How Long Your Retirement Will Last
Longevity plays a key role in determining which option is best
Total Benefits by Age and Start Time
Age
Begin at Age 62
Begin at FRA of 66
Begin at Age 70 62
$9,000 $0 66
$45,000
$12,000 70
$81,000
$60,000
$15,840 75
$126,000
$120,000
$95,040 78
$153,000
$156,000
$142,560 80
$171,000
$180,000
$174,240 82
$189,000
$204,000
$205,920
◄ Breakeven
The second step is to consider how long your retirement will last. Longevity plays a key role in determining which option is best for you. In fact, if you expect a shorter retirement due to health or other reasons, you may want to claim earlier, even with reduced benefits.
For example, take a look at this hypothetical illustration. Assuming a monthly benefit of $1,000 at Full Retirement Age of 66, it illustrates the total income you would receive if you claimed Social Security at age 62, 66 and 70.
Even though taking early payments at age 62 means a reduced monthly benefit of $750 (75% of $1,000), this strategy would still provide you with more total income up to age 78, at which point delaying payments to age 66 would have been the better choice.
Likewise, if you lived past age 82, you would have been better-off waiting until age 70 to start Social Security.
◄ Breakeven [ ]
Note: This illustration assumes a monthly benefit of $1,000 at Full Retirement Age.
PLANNING TIP: Investors who expect a shorter retirement may want to claim earlier, even with reduced benefits

17. Determine If You Will Continue Working
If you work and take benefits prior to your Full Retirement Age (FRA), some of your benefits may be withheld
Benefits are reduced $1 for every
Earned over $2
$15,720
In calendar years before FRA is reached $3
$41,880
In the calendar year in which FRA is reached (until the month of FRA)
Note: The income threshold in this table is for Source: Social Security Administration Fact Sheet.
Next, you should determine if you want to continue working. If you work and take benefits prior to your Full Retirement Age (FRA), some of your benefits may be withheld. These reductions are on top of any reductions made for starting payments before Full Retirement Age.
Here’s how it works:
Benefits are reduced $1 for every $2 earned over $15,720 in 2016 in calendar years before FRA is reached.
In the year in which FRA is reached, benefits are reduced $1 for each $3 earned over $41,880 in 2016 until the month FRA is reached.
Benefits are not reduced once you attain FRA.
However, it’s important to realize that any amounts withheld are only temporary. Reductions made as a result of wages are added back to your benefit after you reach Full Retirement Age, so there’s no penalty for working longer. Benefits are not lost; they’re simply deferred. [ ]
PLANNING TIP: Any amounts withheld are only temporary. They’re added back to your benefits after you reach Full Retirement Age, so there’s no penalty for working longer.

18. Look at the Tax Consequences
Depending on how much you earn, you could pay tax on up to 85% of your Social Security benefits!
The fourth step is to look at the tax consequences of taking Social Security benefits. Depending on how much you earn in wages and other income, you could pay tax on up to 85% of your Social Security benefits.
To determine the taxable amount of your Social Security benefits, add up your adjusted gross income, tax-exempt income and 50% of your annual Social Security benefits. If this amount exceeds $34,000 for single filers or $44,000 for married couples filing jointly, up to 85% of benefits is subject to ordinary income tax!
To help minimize taxes, make sure your total income doesn’t exceed the threshold amounts. [ ]
PLANNING TIP: To help minimize taxes, make sure your total income does not exceed the threshold amounts.

19. Don’t Overlook Survivor Benefits
When you begin Social Security payments can increase the survivor benefit for your spouse
A surviving spouse should consider which option would provide a higher benefit—their own earnings or the survivor benefit [ ]
PLANNING TIP: If the survivor benefit is higher, avoid taking it prior to your Full Retirement Age or your benefit will be reduced by up to 28.5%.
Finally, don’t overlook the impact of survivor benefits. When you begin Social Security payments can increase the survivor benefit for your spouse. For example, if you earn more than your spouse and you want to leave him or her with a larger survivor benefit, you may want to consider waiting until after your Full Retirement Age to start Social Security. This way, you can help ensure that your spouse receives higher benefits after your death.
In terms of retirement income, a surviving spouse has the choice of either taking his or her own benefit or that of the deceased spouse, whichever is higher. If the survivor benefit is higher, avoid taking it prior to your Full Retirement Age or your benefit will be reduced by up to 28.5%.
There are other ways you can use survivor benefits to help maximize income. We’ll take a look at a more detailed example in the next section of this presentation.

20. Understanding Your Choices How to Decide When to Start
Strategies to Help Maximize Your Retirement Income
In this third and final section of our presentation, we’ll highlight a few strategies that can help you maximize your retirement income.

21. Important notice concerning changes to Social Security
The Bipartisan Budget Act of 2015 resulted in a number of major changes to Social Security, including the availability of certain filing strategies
Making smart decisions about your retirement income isn’t always easy, but a financial professional can help you understand your options and make a more informed decision about one of your most valuable retirement benefits. Still, these examples are not meant to be exhaustive, so it is important to work with the Social Security Administra­tion for a full discussion of your available benefits and options. These strategies can get complex. Before making any decision, consult with your qualified tax advisor. Your financial professional can work with you to position your investments to help provide for your income needs throughout retirement.
Important Note: This material about Social Security is provided for educational purposes only and does not constitute tax, legal, or other individualized advice. It is based on currently available information and subject to change once final rules are published by the Social Security Administration.
While the information about Social Security contained herein has been obtained from sources deemed
reliable, American International Group, Inc. (including its subsidiaries, distributors and representatives)
cannot be held responsible for any direct or indirect loss resulting from the application of the information
provided here. Individuals should consult a qualified tax professional or attorney regarding their specific
situation.
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22. Changes to Spousal Benefits Filing a Restricted Application
If you were younger than age 62 on 1/1/16, you will no longer be able to claim just the spousal benefit by filing a restricted application. If you are entitled to both your own individual benefit (based on your own earnings record) and a spousal benefit when you file for benefits, you will automatically receive the greater of the two benefits to which you are eligible.
As a result, you will no longer be able to claim a spousal benefit only and switch to your individual benefit later.
If you were age 62 or older as of 12/31/15, you continue to have the option to file a restricted application for a spousal benefit only provided you do not file for benefits before your Full Retirement Age and your spouse has either filed for and is receiving benefits, or filed and suspended by 4/29/16.
Before we look at some filing strategies, let’s a take a moment to recap the recent changes to Social Security.

23. Start Now and Get More Later
Combine early and delayed benefits for married couples to generate more income
With this strategy, the lower-earning spouse starts income right away at age 62
The higher earner takes spousal benefits at Full Retirement Age (age 66), delaying his or her own benefits for maximum income
At age 70, the higher earner takes his or her own benefits and the low earner switches to spousal benefits to generate higher income
First, let’s take a closer look at the spousal benefit strategy we discussed earlier in this presentation. One variation of this strategy is to combine early and delayed benefits for married couples in order to generate more income.
With this strategy, the lower-earning spouse starts income right away at age 62, even though he or she would receive reduced benefits. The higher earner then takes spousal benefits at Full Retirement Age (age 66), delaying his or her own benefits for maximum income.
At age 70, the higher earner takes his or her own benefits and the lower earner switches to spousal benefits to generate higher income!
Keep in mind, if you were not age 62 or older as of 12/31/15, this strategy is not available to you.
Note: If you were not age 62 or older as of 12/31/15, this strategy is not available to you.

24. Total Benefits Paid at Age 90
Example: Generate $215,016 More Income Over 28 Years!
Start Now and Get More Later
Assumptions: Fred and Jane are married; they are 62 years old with Full Retirement Age (FRA) at 66; and their Social Security benefit at FRA is $2,400 for Fred and $1,000 for Jane
Monthly Income at Age 62
$750
Monthly Income at Age 66
$1,250
Monthly Income at Age 70
$4,118
Total Benefits Paid at Age 90
$1,133,736
Jane takes a reduced early benefit ($750)
Fred elects spousal benefits and receives half of Jane’s benefit ($500)
Jane continues her own benefit ($750)
Fred takes his full delayed benefit ($3,168)
Jane elects spousal benefits to generate more income ($950)
That’s $215,016 more than if Fred and Jane had both elected early benefits at age 62
Here’s an example of how this can work. Let’s assume that Fred and Jane are married; they’re both 62 years old with Full Retirement Age at age 66; and their Social Security benefit at Full Retirement Age (FRA) is $2,400 for Fred and $1,000 for Jane. The couple’s goal is to begin income now and maximize benefits over time. By taking Jane’s benefit at age 62 and delaying Fred’s benefit until age 70, they can increase their overall Social Security payments by $215,016 over 28 years.
Let’s look at the details. At 62, Jane begins drawing a reduced monthly benefit of $750 ($1,000 reduced by 25%). When Fred turns 66, he is able to take a spousal benefit of $500 (1/2 of Jane’s benefit at FRA). Four years later at age 70, Fred draws his full delayed benefit of $3,168 and Jane’s benefit is increased by the difference between her benefit at FRA ($1,000) and half of Fred’s benefit ($1,200), which is $200. Thus, her benefit rises from $750 to $950, giving the couple a combined benefit of $4,118 at age 70. If they continued taking benefits for the next 20 years, total benefits paid to Fred and Jane at age 90 would be $1,133,736.
In comparison, if both Fred and Jane were to elect early benefits at age 62, they would receive total benefits paid of $918,720 at age 90, which is $215,016 less than the Start Now and Get More Later strategy!
Note: For this strategy to work, the individual receiving spousal benefits must be Full Retirement Age or older, and the other spouse must also be receiving benefits, or filed and suspended benefits prior to 5/1/16. This strategy will only result in higher aggregate benefits if both spouses survive for a certain amount of time. In this example, if either Fred or Jane passes away before age 78 (the breakeven point), they would have received less income using the Start Now and Get More Later strategy.
Of course, each person's experience will vary based on their individual circumstances.
Illustration does not reflect any cost of living increases.
Note: If you were not age 62 or older as of 12/31/15, this strategy is not available to you.

25. Change to “File & Suspend” Strategy
This strategy is only available if you attained age 66 and elected the strategy by 4/29/16.
If you did not meet the age and election requirements for this strategy by 4/29/16, it is not available to you.
Please keep this in mind when reviewing the following example.
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26. File and Suspend
Helped to maximize income by filing for benefits at Full Retirement Age and then suspending receipt until age 70
If elected by 4/29/16 this strategy allows the lower-earning spouse to receive payments equal to 50% of the higher earner’s benefit
Plus, the higher earner continues to delay payments, accruing credits for more guaranteed income at age 70
If file and suspend is elected after 4/29/16, neither the worker nor the spouse receive any benefits until the worker receives his/her own
The second strategy we’ll discuss is the File and Suspend strategy, which is another way for married couples to take advantage of spousal benefits. With this strategy, a higher-earning married individual at Full Retirement Age can file for benefits and then suspend receipt of those benefits until age 70. This strategy allows the lower-earning spouse to receive payments equal to 50% of the higher earner’s benefit. Plus, the higher earner continues to delay payments, accruing credits that will provide him or her with more guaranteed income at age 70!

27. 3. Claim Survivor Benefits Early
For higher-earning widow(er)s, consider starting survivor benefits at age 60 to help increase overall income
This strategy provides the surviving spouse with additional income from age 60 to 69
Plus, by delaying payments until after Full Retirement Age, the higher earner can receive the maximum amount of Social Security benefits based on his or her own earnings at age 70!
Third, if you’re a higher earning widow or widower, you may want to take survivor benefits early at age 60, even though you’ll receive reduced benefits.
That’s because you’ll be able to earn extra income from age 60 to 69. Plus, you can delay your own benefits, allowing additional credits to accrue and helping you generate more benefits at age 70, when you claim your own benefits!

28. Example: Receive an Additional $85,800 in Survivor Benefits
Survivor Benefits Strategy
Assumptions: Bob and Cindy are married; they are 60 years old with Full Retirement Age (FRA) of 66; their Social Security benefit at FRA is $2,400 for Bob and $1,000 for Cindy; and Cindy dies at age 60.
Monthly Income at Age 60
$715
Total Benefits Paid from Ages 60-69
$85,800
Total Benefits Paid from Ages 70-90
$760,320
Bob claims survivor benefits and receives 71.5% of Cindy’s benefit ($715)
In this example, a widower can receive an additional $85,800 in survivor benefits. Here’s how. Assume that Bob and Cindy are a married couple, both 60 years old with Full Retirement Age at age 66. Their benefit at Full Retirement Age is $2,400 for Bob, and $1,000 for Cindy.
Unfortunately, Cindy passes away at age 60. Since Bob’s earnings are much higher than Cindy’s, Bob claims survivor benefits at age 60 and receives 71.5% of Cindy’s benefit, or $715 per month.
Bob can take this income every month over the next 10 years, all the while delaying his own benefits to maximize his future payments. From ages 60-69, he earns total benefits of $85,800. At age 70, he switches over to his own benefits and earns $3,168 per month over the next 20 years for a total of $760,320 at age 90.
In this way, Bob earns $85,800 in survivor benefits that would have been lost if he did not take advantage of these benefits!
That’s $85,800 in survivor benefits that would have been lost if Bob did not take advantage of these benefits!
Bob takes his own benefit from age ($3,168)
Note: Illustration does not reflect any cost of living increases

29. 4. Build an Income Bridge to Help Increase Future Benefits
If you decide to retire later, you may need to bridge the potential income gap with retirement sources other than Social Security
Possible solutions:
Fixed annuities
Variable annuities with optional income benefits
Retirement plans and accounts like IRAs or 401(k)s
Mutual funds
Earnings from work
Finally, let’s look at how you can build an income bridge to help supplement future Social Security benefits. If you decide to retire later, you may need to bridge the potential income gap with retirement sources other than Social Security. Possible solutions include:
Fixed annuities—these products are issued by insurance companies and offer a fixed rate of return guaranteed by the issuer. This means that you can receive a stable source of guaranteed income to supplement your reduced Social Security benefits. Fixed annuities are also tax-deferred, meaning that you won’t pay income tax on earnings until they’re withdrawn. Fixed annuities don’t provide access to the growth potential of equities; as a result, your income may not keep up with rising costs.
Retirement accounts like IRAs or 401(k)s—they can provide you with income after you reach age 59½. Early withdrawals prior to that date may be subject to an additional 10% federal tax. Keep in mind that withdrawals of earnings will also be subject to ordinary income tax.
Earnings from work. To help generate income before you reach age 70, you may want to continue working. A full or part-time job may offer not only financial benefits, but also mental and physical advantages.
Note: for all annuities, withdrawals may be subject to company-imposed withdrawal charges and an additional 10% federal tax if taken prior to age 59½.

30. Choosing the Right Option for You
Carefully think through your Social Security strategy before submitting your benefit claims
Be sure to ask yourself:
When do I really want to retire?
How do I want to spend my retirement?
Do I have the right strategy to achieve my goals?
When it comes to choosing the best Social Security option for you, keep in mind that Social Security is more restrictive than ever on allowing filing changes, so it’s important to carefully think through your strategy before submitting your benefit claims.
Be sure to ask yourself:
When do I really want to retire?
How do I want to spend my retirement?
Do I have the right strategy to achieve my goals?
I’m always available to answer questions and to make sure your retirement income strategy remains consistent with your long-term financial goals, so please don’t hesitate to call me at any time.
I am always available to answer questions and to make sure your retirement income strategy remains consistent with your long-term financial goals.

31. Make the Most of Your Social Security Benefits Today!
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