As Roy and I were listening to one of our required webinars, we heard the GOOD NEWS – in the last three years, people filing for Social Security at age 62 has been reduced from 45% to 28%!! People are finally listening to our message. Okay, we understand that some people need to file at […]
Claiming Strategies are the REAL DEAL
Social Security laws changed on November 2, 2015 with the passage of the Bi-Partisan Budget Act. They will change again in 2020 when claiming strategies will no longer be available. There is an urgency to our message – the ability to improve your benefit amount and your survivor benefit will greatly be minimized. Those of […]
What is a Plan?
Retirement is something that needs to be well thought out and planned for in advance. Not only do you need to look at potential income from Social Security, you need to set up your Medicare options (age 65), and you need to review your other 401K’s or pension plans for best use withdrawals. This does […]
What Every Women Needs to Know Before Filing” Part II
Hope you had a chance to read Part I of this series as it contained very important information for the ladies in our communities. As we continue this article, I am going to give you a likely example of the concerns for women: 1. SALLY – married 22 years – divorced but single 2. Age […]
Confusion at Best
Almost on a weekly basis, we are made aware of someone that went to file for Medicare and filed for Social Security at the same time – age 65. The filing dates are not the same readers…..please read on!! Sure, it sounds logical to kill two birds with one stone. And, if this is what […]
“Gray Divorces” and Social Security
Divorce is not an easy situation at any age. Complications arise involving children, pensions, 401K’s, and the house, but people are not aware of the complications that arise involving Social Security. In many instances, this change of status can jeopardize the retirement security of literally millions of baby boomers. A recent study, Bowling Green University […]
Why is my Social Security Check LESS than Expected?
We get phone calls quite frequently from people wanting to know why their Social Security check is less than expected; there are several possible reasons: If you opted to take your benefit before your Full Retirement Age there will be a reduction to your benefit amount. Mind you, this is for life! Could be as […]
What in the World is AIME?
During our seminars, we try to explain AIME to our attendees. It is quite complicated, so very hard to explain in few short minutes. AIME stands for Averaged Indexed Monthly Earnings. So that the Social Security Administration can determine your PIA (Primary Insurance Amount), 35 top years of earnings are needed to compute the AIME. […]
Checkin’ it Twice
People often ask why Roy and I are helping people with their Social Security decisions. It is an easy answer….as we were approaching our own retirement, we started to get things in order (why we suggest clients to contact us 2 years prior to retirement). We visited our local SS office and quickly realized that […]
Bucket of Choices
Life is a bucket of choices….some are easy, some not so much. But we all must take more seriously choices that will have a lifetime of consequences. Agreed? Well, that is what you are looking at when you decide on your Social Security benefit…. basically, a permanent decision. We are going to share with you […]