Podcasts about social security strategies

In this episode of Retire with Style, hosts Alex Murguia and Wade Pfau tackle a range of financial planning questions in a lively Q&A session. They explore Social Security strategies, the role of single premium immediate annuities (SPIAs) in retirement income, and investment approaches for managing required minimum distributions (RMDs). The discussion also covers the pros and cons of bond ladders versus Treasury bonds, along with how Roth conversions can affect adjusted gross income and Medicare premiums. Throughout the conversation, Alex and Wade highlight how thoughtful, strategic planning can help retirees maximize their income and minimize their tax burden. Listen now to learn more!   Takeaways Delaying social security can lead to increased spending throughout retirement. A social security delay bridge can mitigate sequence of returns risk. Single premium immediate annuities provide longevity protection and mortality credits. Investing RMDs for beneficiaries can allow for more aggressive strategies. Roth conversions impact adjusted gross income and potential IRMA surcharges. Tax-efficient planning can help manage future tax liabilities. Bond ladders are useful for meeting specific spending needs in retirement. Treasury bonds can be a simpler alternative to bond ladders. Understanding the nuances of annuities is crucial for retirement planning. Engaging with audience questions enhances the relevance of financial discussions. Chapters 00:00 Introduction and Pickleball Paddle Reveal 04:30 Diving into Financial Planning Questions 05:44 Social Security Strategies and Their Impact 11:10 Building a Social Security Delay Bridge 16:11 Exploring Single Premium Immediate Annuities 22:45 Investment Strategies for RMDs 24:40 Bond Ladders vs. Treasury Bonds 26:59 Understanding Roth Conversions and IRMA   Links Our new Retire With Style podcast website is officially LIVE! Submit questions for future episodes, learn more about us and our affiliates, and more to come! Visit RetireWithStyle.com to check it out now!  Visit our YouTube channel and watch this episode and see the new custom limited edition Retire With Style Pickleball Paddles! Follow the instructions in the comments of that video to enter for your chance to win of your very own: https://www.youtube.com/@retirewithstylepodcast The Retirement Planning Guidebook: 2nd Edition has just been updated for 2025! Visit your preferred book retailer or simply click here to order your copy today: https://www.wadepfau.com/books/ This episode is sponsored by McLean Asset Management. Visit https://www.mcleanam.com/retirement-income-planning-llm/ to download McLean's free eBook, “Retirement Income Planning”

In this episode of the Secure Your Retirement Podcast, Radon Stancil and Murs Tariq discuss the Retirement Checklist Challenge, a structured approach to evaluating how prepared you are for retirement. They introduce a Retirement Checklist covering Retirement Income Planning, Tax-Efficient Retirement Strategies, Medicare and Retirement, Long-Term Care Planning, Risk Management, and Estate Planning for Retirees. The goal of the challenge is to help you assess your readiness by scoring yourself on 34 key factors that contribute to a Secure Retirement Plan.Listen in to learn about Financial Planning for Retirement, strategies for Retirement Savings, and ensuring a stress-free transition to retirement. Whether you're already retired or preparing for the next phase, this episode will help you plan for retirement effectively, identifying potential gaps in your strategy. You'll also learn how to access the full Retirement Checklist to take the challenge yourself!In this episode, find out:· Why Retirement Income Planning is crucial to maintaining financial security.· How to evaluate your Social Security Strategies and income sources.· The importance of Tax-Efficient Retirement Strategies to minimize tax burdens.· How to assess your Medicare and Retirement options effectively.· The role of Risk Management and diversification in protecting your retirement.Tweetable Quotes:"A well-prepared retirement starts with understanding your income, healthcare, and tax strategies—take the Retirement Checklist Challenge to see where you stand!" – Radon Stancil"Retirement planning isn't just about saving money—it's about ensuring you have the right strategy for income, taxes, healthcare, and long-term security." – Murs TariqResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

In this episode of "Your Retirement Highway," hosts Kyle R. Jones and Matthew P. Algar from FYRA Capital Management delve into a variety of retirement planning insights and social security optimization strategies. Kyle and Matt emphasize the importance of working with a financial advisor to tailor retirement plans based on individual needs and circumstances. They discuss the implications of taking social security benefits early versus delaying them, the potential penalties, and the benefits of maximizing social security. The episode also explores scenarios where retirees may need to work part-time either out of necessity or for personal fulfillment, and how these choices fit into broader retirement plans.Kyle and Matthew share personal anecdotes and practical advice on purchasing cars and managing retirement finances. They touch upon the social and financial aspects of continuing to work post-retirement, including keeping health insurance costs manageable through programs like COBRA. The hosts also highlight the critical role of holistic financial planning, considering aspects like tax strategies and the interconnectedness of investment plans.

Dan Hill CFP®, AIF®, is a recognized Financial Educator, Best-Selling Author, Speaker, and Retirement Specialist who appears as a financial expert on CBS-Richmond's Virginia This Morning and has contributed to USA Today, Wall Street Journal, Forbes, and others.Dan is a Co-Author of the Amazon # 1 bestseller Retire Like a Shark, with Kevin Harrington, the original ‘Shark' from hit TV show Shark Tank.In his recent book release, Retire Abundantly, Dan explains how to separate facts from fiction in our dramatically changing retirement landscape. He'll provide answers to some of your biggest questions, and answers to questions most of us do not even know to ask.As President of Hill Wealth Strategies, Dan and his team, using the Predictable Personal Pension Process, have been providing families and businesses with innovative financial strategies, solutions and planning leading to financial clarity and security since 1998.Dan, and his wife, Susan, reside in Williamsburg, VA. Their oldest son, Derek, and younger son, Brett, and his wife, Sarah live in Richmond, VA with their two-year-old daughter, Landon. Dan has been an active member of the community with his involvement in Youth League and American Legion Post 39 baseball as a coach for twenty-seven years.Dan can be reached at (833) DAN HILLLearn more: https://hillwealthstrategies.com/This content is developed from sources believed to be accurate and complete; however, no guarantee can or is given for such accuracy or completeness. Nor is the information in this material intended as tax or legal advice. Please consult your own legal or tax professionals for specific information regarding your individual situation. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale, or the solicitation of such an offer, of any security, insurance product, or annuity in any jurisdiction in which the persons represented on this site are not appropriate licensed, registered, appointed, or otherwise qualified by law and regulation to make or solicit such purchases and sales. Logos as displayed herein are not intended to imply any endorsement by the owners of such logos of Hill Wealth Strategies. All written content on this site is for information purposes only. Opinions expressed herein are solely those of Hill Wealth Strategies and our editorial staff. Material presented is believed to be from reliable sources; however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed in detail with your individual adviser prior to implementation. Fee-based financial planning and investment advisory services are offered by Hill Wealth Strategies a Registered Investment Advisor in the State of Virginia. Insurance products and services are offered through D. R. Hill & Associates, Inc. Hill Wealth Strategies and D. R. Hill & Associates, Inc. are affiliated companies. The presence of this web site shall in no way be construed or interpreted as a solicitation to sell or offer to sell investment advisory services to any residents of any State other than the State of Virginia or where otherwise legally permitted. Hill Wealth Strategies/D. R. Hill & Associates, Inc. and Daniel Hill are not affiliated with or endorsed by the Social Security Administration or any other government agency. This content is for informational purposes only and should not be used to make any financial decisions. Unauthorized use of the material is prohibited.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-dan-hill-cfp-aif-ceo-founder-hill-wealth-strategies-discussing-social-security-strategies

Dan Hill CFP®, AIF®, is a recognized Financial Educator, Best-Selling Author, Speaker, and Retirement Specialist who appears as a financial expert on CBS-Richmond's Virginia This Morning and has contributed to USA Today, Wall Street Journal, Forbes, and others.Dan is a Co-Author of the Amazon # 1 bestseller Retire Like a Shark, with Kevin Harrington, the original ‘Shark' from hit TV show Shark Tank.In his recent book release, Retire Abundantly, Dan explains how to separate facts from fiction in our dramatically changing retirement landscape. He'll provide answers to some of your biggest questions, and answers to questions most of us do not even know to ask.As President of Hill Wealth Strategies, Dan and his team, using the Predictable Personal Pension Process, have been providing families and businesses with innovative financial strategies, solutions and planning leading to financial clarity and security since 1998.Dan, and his wife, Susan, reside in Williamsburg, VA. Their oldest son, Derek, and younger son, Brett, and his wife, Sarah live in Richmond, VA with their two-year-old daughter, Landon. Dan has been an active member of the community with his involvement in Youth League and American Legion Post 39 baseball as a coach for twenty-seven years.Dan can be reached at (833) DAN HILLLearn more: https://hillwealthstrategies.com/This content is developed from sources believed to be accurate and complete; however, no guarantee can or is given for such accuracy or completeness. Nor is the information in this material intended as tax or legal advice. Please consult your own legal or tax professionals for specific information regarding your individual situation. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale, or the solicitation of such an offer, of any security, insurance product, or annuity in any jurisdiction in which the persons represented on this site are not appropriate licensed, registered, appointed, or otherwise qualified by law and regulation to make or solicit such purchases and sales. Logos as displayed herein are not intended to imply any endorsement by the owners of such logos of Hill Wealth Strategies. All written content on this site is for information purposes only. Opinions expressed herein are solely those of Hill Wealth Strategies and our editorial staff. Material presented is believed to be from reliable sources; however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed in detail with your individual adviser prior to implementation. Fee-based financial planning and investment advisory services are offered by Hill Wealth Strategies a Registered Investment Advisor in the State of Virginia. Insurance products and services are offered through D. R. Hill & Associates, Inc. Hill Wealth Strategies and D. R. Hill & Associates, Inc. are affiliated companies. The presence of this web site shall in no way be construed or interpreted as a solicitation to sell or offer to sell investment advisory services to any residents of any State other than the State of Virginia or where otherwise legally permitted. Hill Wealth Strategies/D. R. Hill & Associates, Inc. and Daniel Hill are not affiliated with or endorsed by the Social Security Administration or any other government agency. This content is for informational purposes only and should not be used to make any financial decisions. Unauthorized use of the material is prohibited.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-dan-hill-cfp-aif-ceo-founder-hill-wealth-strategies-discussing-social-security-strategies

To maximize your Social Security benefits in retirement, it's essential to understand five key limits and thresholds:✅ Earnings Limit: If you start Social Security before full retirement age, benefits may be reduced if your wages exceed the annual or monthly earnings limit. Only income earned after starting benefits counts.✅ Social Security Wage Base: This is the maximum amount of earnings subject to Social Security taxes each year. It impacts both how much you pay into the system and the benefits you may receive.✅ Maximum Benefit: Your benefit amount is based on factors like your lifetime earnings and the age at which you begin collecting benefits. Delaying benefits increases your monthly payments, while starting early reduces them.✅ Provisional Income: This determines how much of your Social Security benefit is taxable. Higher income levels can result in up to 85% of your benefit being taxed at the federal level.✅ Bend Points: These thresholds influence how your lifetime earnings are converted into benefits. Lower earnings are replaced at a higher percentage, meaning early contributions can have a significant impact.Understanding these limits helps you make strategic decisions and optimize your retirement income.Questions answered:1. How can I maximize my Social Security benefits and avoid unnecessary reductions?2. What factors determine how much Social Security I will receive in retirement?Submit your request to join James:On the Ready For Retirement podcast: Apply HereOn a Retirement Makeover episode: Apply HereTimestamps:0:00 - David's question1:47 - SS earnings limit4:51 - Monthly numbers matter6:04 - SS wage base9:11 - Max SS earning amount11:26 - Provisional income13:32 - SS bend pointsCreate Your Custom Strategy ⬇️ Get Started Here.

In this edition: 0:39 Market Crashes and Personal Memories 5:05 Technology and the New Market Paradigm 7:34 The Real Estate Bubble of 2007 10:38 Predictions and the 2008 Financial Crisis 13:31 The Challenge of Predicting the Future 21:25 Year-End Money Moves to Consider 26:10 Evaluating Investments: Newsmax IPO Question 32:17 Social Security Strategies for Couples Learn more about your ad choices. Visit megaphone.fm/adchoices

On Today's Show: 0:29 Crypto Internet Dirt Bags. 4:22 Crypto Scams and Market Warnings. 8:11 Advertising and Podcast Integrity. 10:40 Bitcoin Predictions and Speculations. 12:58 Social Security Strategies and Timing. Learn more about your ad choices. Visit megaphone.fm/adchoices

On today's show: 0:04 Social Security Decisions 8:49 Investment Strategies for Retirement 9:07 Roth IRA Conversion Insights 14:30 Exchange-Traded Funds Explained 17:46 Closing Remarks and Resources Learn more about your ad choices. Visit megaphone.fm/adchoices

You've got Social Security questions, and I've got Social Security answers!Today we're covering important aspects of Social Security that you need to know:1. How is SS calculated?2. What benefits are included in SS (more than you probably thought)?3. When should I start claiming SS?4. SS claiming strategies that often get overlooked

Learn more about how you can prepare for retirement by downloading the complimentary Retire Your Way Toolkit - https://bit.ly/4cLg96d Register for our next Journey to Retirement Online Workshop to learn more about building your income plan and a comprehensive retirement plan. - https://bit.ly/4aeNR1B Knowing when to elect Social Security can feel overwhelming. With the possibility of 81 different election options for couples, the choice is anything but straightforward. It is more than just deciding between taking benefits at 62 (when you can first elect), at Full Retirement Age (66 or 67 for most people), or at 70 (the age at which your benefit stops growing). Experienced Retirement Planner Loren Merkle explains: - The impact Social Security decisions have on your retirement, with lifetime benefits reaching up to $500,000 for individuals. - The difference between taking Social Security early vs. at Full Retirement Age (FRA) and how health and longevity play into this decision. - Why factors like your investments, and your legacy plan should be considered when making your Social Security election. Loren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY® https://merkleretirementplanning.com/staff-members/loren-merkle/ -- This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.`

Join us in this enlightening episode of our podcast where we delve deep into the intricate world of retirement planning and social security strategies. Our featured topic, "Reinventing Retirement," offers a comprehensive exploration of the journey to and through retirement, highlighting the critical financial decisions that shape this phase of life. Our hosts, David and Bret, bring their expertise to the table, discussing the common pitfalls and blunders that retirees often encounter.

During this show, we'll look at recent news from the Social Security trustees' report before shifting into a more general conversation about Social Security.

During this show, we'll look at recent news from the Social Security trustees' report before shifting into a more general conversation about Social Security.

During this show, we'll look at recent news from the Social Security trustees' report before shifting into a more general conversation about Social Security.

During this show, we'll look at recent news from the Social Security trustees' report before shifting into a more general conversation about Social Security.

Can you convert your health savings account (HSA) to Roth, and do the five-year Roth withdrawal clocks apply? What should you do with money you'd been putting to your student loan debt if you're part of the student loan forgiveness program? What's the best way to invest your RMDs, or required minimum distributions? How does IRMAA, the income-related monthly adjustment amount for Medicare, apply to zero-coupon municipal bonds? And finally, strategies for collecting survivor Social Security benefits.  Timestamps: 00:49 - Can I Convert a Health Savings Account HSA to Roth IRA and Do the 5-Year Rules Apply? (Philip) 07:49 - My Student Loans Were Forgiven. Now Should We Contribute to Roth 403(b)? (Pete, Winston-Salem, NC) 15:37 - How Should I Invest Required Minimum Distributions? (Judy, San Diego) 22:17 - How is IRMAA for Medicare Applied to Zero Coupon Municipal Bonds? (Jimmy) 26:40 - 62 and Widowed: Claim Survivor Social Security Benefits Until Age 67? (Mark, Burke, VA) 30:11 - Is Signing Up for Social Security Just Pretty Much Straight Forward? (Michael) 32:09 - The Derails Access this week's free financial resources in the podcast show notes at https://bit.ly/ymyw-429  Debt Ceiling and the US Dollar - new educational video Talking About Recessions - new blog post Medicare Check-Up Guide Episode Transcript Ask Joe & Big Al On Air

During this show, we'll look at recent news from the Social Security trustees' report before shifting into a more general conversation about Social Security.

During this show, we'll look at recent news from the Social Security trustees' report before shifting into a more general conversation about Social Security.

During this show, we'll look at recent news from the Social Security trustees' report before shifting into a more general conversation about Social Security.

During this show, we'll look at recent news from the Social Security trustees' report before shifting into a more general conversation about Social Security.

During this show, we'll look at recent news from the Social Security trustees' report before shifting into a more general conversation about Social Security.

During this show, we'll look at recent news from the Social Security trustees' report before shifting into a more general conversation about Social Security.

During this show, we'll look at recent news from the Social Security trustees' report before shifting into a more general conversation about Social Security.

In this audio podcast, Miguel Gonzalez shares some social security strategies that can help you boost your monthly benefit amount to get the most from your social security benefits.Welcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORS Facebook-> https://m.facebook.com/CortburgInc Twitter-> https://twitter.com/CortburgInc LinkedIn->https://www.linkedin.com/in/miguelxgonzalez/ Website: www.CortburgRetirement.com Email: Miguel@CortburgRetirement.com

Learn the options for social security benefits if you or your spouse passes away. You can find more information by clicking here: https://bit.ly/38ryYM7 

When it comes to Social Security, it seems like there's a million different claiming strategies, but more times than not, less really is more. Have a money question? Email us, ask jill [at] jill on money dot com. Please leave us a rating or review in Apple Podcasts. And please take our poll, it's all of two questions! "Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Alyssa Young hosted the Sept. 24 radio show. During the 8:30 a.m. segment, Social Security and Medicare specialist Mark Bacak joined to talk about strategies for claiming Social Security based on expected lifespans; special family circumstances such as death of a spouse and minor or disabled children; and the start of a new tax year being right around the corner. Alyssa provided the upcoming dates of Mark's free consultations at the MtM Financial Group office. She also talked about what investors should expect in a recession and how to interpret the values on your account statements for investments such as CD's, structured notes and buffered ETF's. And if you have a child who's 18, she explains a legal document you need in order to handle financial or health issues that could pop up. Alyssa answered listener questions: How can we find a reliable person or organization to manage our financial affairs if we become unwell?What should I do with money I inherited that I plan to use to buy a home in two or three years?What do you think about stock buybacks?Can I roll my 401k into an existing IRA or does it need to go into a new, separate IRA? Schedule a free second opinion meeting: Is your retirement plan on track? Are your investments appropriate? Meet with an MtM financial advisor.Talk to Mark Bacak about YOUR Social Security & Medicare options.Ask Mike Pompei to audit your life insurance policy—and explore whether a long-term care policy works for you.Make sure your will and legal documents are comprehensive: Talk with estate planning attorney Keith Strohl.Do your current annuities fit your needs? Kegan Morris will do an audit and explain them.Should you get a reverse mortgage? Tiffany Shutta can help. Call 610-746-7007 today to schedule an appointment with any of the above caring, professional specialists.

Chief Investment Officer Troy Harmon is joined by Managing Associate K.C. Smith, CFP®, CEPA, and Associate Peter Lynch to discuss the situation of a retired senior who is considering suspending his Social Security benefits and returning to work. K.C. highlights all the variables that go into making this decision including considering anyone receiving benefits based on his earnings record. Read the Article: https://www.henssler.com/unretiring-and-the-social-security-dilemma 

What to know about eligibility for Social Security benefits. https://bit.ly/38ryYM7 

Our guest on the podcast today is William Reichenstein. Dr. Reichenstein is an author and emeritus professor of finance at Baylor University. He is also head of research for Social Security Solutions and Retiree, Inc., where he and William Meyer have developed software to facilitate tax-efficient Social Security and asset-drawdown strategies for retirees. His recent books include Income Strategies and Social Security Strategies with William Meyer. A fourth edition of that book will be forthcoming soon. He has also published more than 200 articles in various financial journals. He earned his B.A. in economics from St. Edward's University and his Ph.D. from the University of Notre Dame. He is also a CFA charterholder.BackgroundBioSocial Security SolutionsIncome SolverIncome Strategies: How to Create a Tax-Efficient Withdrawal Strategy to Generate Retirement Income, by William Reichenstein Social Security Strategies: How to Optimize Retirement Benefits, by William Reichenstein and William MeyerTax-Efficient Withdrawal Strategies“Pay Attention to Marginal Tax Rates and Not Tax Brackets,” by William Reichenstein, advisorperspectives.com, Sept. 28, 2021.“Tax Considerations for Relatively Wealthy Households,” by William Reichenstein, Journal of Financial Planning, December 2021.“How Social Security Coordination Can Add Value to a Tax-Efficient Withdrawal Strategy,” by William Reichenstein and William Meyer, jor.pm-research.com, Fall 2021.“Saving in Roth Accounts and Making Roth Conversions Before Retirement in Today's Low Tax Rates,” by William Reichenstein, financialplanningassociation.org, July 2020.“Investment Implications of the Rising and Falling Pattern of Marginal Tax Rates for Retirees,” by William Reichenstein and William Meyer, jor.pm-research.com, Summer 2020.“A Comparison of the Tax Efficiency of Decumulation Strategies,” by Greg Geisler, Bill Harden, and David Hulse, financialplanningassociation.org, March 2021.“Advice for Married Couples When One Spouse Will Die Years(s) Before the Other Spouse,” by William Reichenstein and William Meyer, financialplanningassociation.org, January 2021.“Using Roth Conversions to Add Value to Higher-Income Retirees' Financial Portfolios,” by William Reichenstein and William Meyer, financialplanningassociation.org, February 2020.“The Asset-Location Decision and Related Topics,” by William Reichenstein, advisorperspectives.com, June 1, 2020.“Basic Truths About Asset Allocation: A Consensus View Among the Experts,” by William Reichenstein, aaii.com, July 2019.Social Security, Medicare, and Taxes“How to Prepare for a No-to-Low 2021 Social Security COLA,” by William Reichenstein, thestreet.com, July 27, 2020. “The Relationship Between Wealth and Delaying Social Security Benefits,” by William Reichenstein, aaii.com, June 2020.“Social Security Claiming Strategies for Singles and Their Implications for Couples,” by William Reichenstein and William Meyer, financialplanningassociation.org, May 2021.“A Top Social Security Expert Blasts Biden's Reform Plan,” by Jane Wollman Rusoff, thinkadvisor.com, June 2, 2020.“Understanding the Tax Torpedo and Its Implications for Various Retirees,” by William Reichenstein and William Meyer, financialplanningorganization.org, July 2018.“How Retirees Can Avoid the ‘Tax Torpedo',” by Mark Miller, Morningstar.com, Feb. 9, 2022.“Minimizing the Damage of the Tax Torpedo,” by William Reichenstein, financialplanningorganization.org, September 2021.“Medicare and Tax Planning for Higher-Income Households,” by William Reichenstein and William Meyer, jwm.pm-research.com, Winter 2019.“How Retirees Can Avoid Higher Medicare Premiums,” by William Reichenstein, wsj.com, June 14, 2018.Retirement Income/Other “There Is No Perfect Way to Protect Your Investments Against Inflation,” by Anne Tergesen, goodwordnews.com, Feb. 14, 2022.

In this first clip from Jim Lange's January 2022 virtual event series, Jim Lange discusses the overall benefits of the most ideal Roth IRA Conversion strategies and Social Security plans for professors and university faculty. To register for Jim's FREE, LIVE retirement planning virtual events, go to https://paytaxeslater.com/webinarspodcast and reserve your seat for each event that fits your needs! Want to attend but have a scheduling conflict? No worries! All registrants will have a rebroadcast link emailed to them 24 hours after the events are held!

In this episode, The Annuity Man and Jeff Miller discuss:  Life expectancy and income level demographics  Until what age should you wait?  Figuring out your life expectancy  Inflation, where is it going and how will it affect social security    Key Takeaways:  With any type of lifetime income-stream annuity, it's all about life expectancy - the older you are, the higher the payment.  Find what your social security benefits would be at full retirement age.  People in higher incomes seem to have a longer life expectancy. But a lot of people don't consider themselves wealthy even if they are, so it still depends.  The estimation of when the social security trust fund will run out of money keeps getting closer and closer.    "As a general rule... consider your spouse when you make your claiming decision. If you're the higher earning spouse, even if you're in poor health, you may want to delay to make sure that your spouse gets the highest possible benefit after you pass." —  Jeff Miller    Connect with Jeff Miller: Website: http://www.socialsecuritychoices.com/    Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today - https://www.stantheannuityman.com/annuity-calculator! 

Segment 1: Paul Nolte, Portfolio Manager at Kingsview Investment Management, joins John to talk about the weekly jobless claims coming down again, concerns about the Delta variant impacting the economy, and when we might see inflation finally coming down. Segment 2: CNET Editor at Large Ian Sherr chats with John about a variety of tech stories including Mastercard removing magnetic strips […]

What questions do you have about social security? It is important to keep in mind that professionals at social security are instructed not to give you any form of advice.  There are many factors to be considered when applying for social security for your retirement whether you want to do it before or after 70 years. These factors include age, sources of income, spousal benefits, and much more. In this episode of the Secure Your Retirement podcast, we have Heather Schreiber, she's a Retirement Income Certified Professional with 25 years of experience. She consults with and educates financial, tax and legal professionals using a holistic approach to retirement income planning. Listen in to learn how to approach applying for social security and why you need a professional to help you navigate it.  In this episode, find out: Factors that come into play when considering taking social security before or after 70. Understanding that your social security is likely going to be your pension. How sources of income affect different individuals when claiming social security early.  The benefits of a restricted application strategy and who can apply for it. Understanding how the spousal benefits work and their starting point. The importance of having someone help you navigate the social security aspect.  How retirement benefits for a dead spouse work and how to approach the process.  When and why a divorced spouse can file for spousal benefits from that relationship.  The different ways you can approach the social security application process.  Tweetable Quotes: “The starting point is always regardless of when that higher wage earner files, fifty percent of the primary insurance amount.”- Heather Schreiber “Delayed retirement benefits earned by the higher-earning spouse are inherited by the surviving spouse.”- Heather Schreiber Resources: If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement! To access the course, simply visit https://pomwealth.net/3-keys-to-secure-your-retirementlp/ (POMWealth.net/podcast.) To receive our free book, Get Off the Retirement Rollercoaster, leave a 5-star rating review on Apple Podcasts and send a screenshot to morgan@pomwealth.net.

Interview with Biran Herndon President of Elite Tax Advisory Services, LLC Discussing Social Security Strategies.Biran Herndon specializes in strategic financial & tax planning or business owners, real estate investors and medium to high net worth individuals.He is a Certified Tax Master and member of the Tax Master’s Network, who integrates both disciplines into a holistic, client centered approach towards maximizing your after-tax income and wealth.Biran graduated from ITT Technical College. He started his career in the tax industry working with H & R Block at the age of 17, working as a quality control and return reviewer.He became one of their youngest office managers and ran one of their Premium tax offices.He then joined one of the top financial firms in Orlando as their Advanced Tax And Estate Planning Director, where he helped high net-worth individuals, real estate investors and business owners legally reduce their tax liabilities and protect their wealth.In 2005, He left corporate America to start his own boutique fee based, tax focused; financial & tax advisory/planning practice.Biran lives in Melbourne, FL with his wife Michele and enjoys to read and travel.We encourage you to take the first step towards your financial wellness, with us.Talking about your finances may feel stressful, but that’s why we’re here. We pride ourselves on making the planning experience more comfortable and accessible for you.Call us at 772-774-7808 or email us at info@elitetax1040.com to schedule a no-cost, no-obligation phone introduction to learn more about each other and to determine if we can help.http://www.elitetax1040.com Influential Influencers with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-biran-herndon-president-of-elite-tax-advisory-services-llc-discussing-social-security-strategies

Interview with Biran Herndon President of Elite Tax Advisory Services, LLC Discussing Social Security Strategies.Biran Herndon specializes in strategic financial & tax planning or business owners, real estate investors and medium to high net worth individuals.He is a Certified Tax Master and member of the Tax Master’s Network, who integrates both disciplines into a holistic, client centered approach towards maximizing your after-tax income and wealth.Biran graduated from ITT Technical College. He started his career in the tax industry working with H & R Block at the age of 17, working as a quality control and return reviewer.He became one of their youngest office managers and ran one of their Premium tax offices.He then joined one of the top financial firms in Orlando as their Advanced Tax And Estate Planning Director, where he helped high net-worth individuals, real estate investors and business owners legally reduce their tax liabilities and protect their wealth.In 2005, He left corporate America to start his own boutique fee based, tax focused; financial & tax advisory/planning practice.Biran lives in Melbourne, FL with his wife Michele and enjoys to read and travel.We encourage you to take the first step towards your financial wellness, with us.Talking about your finances may feel stressful, but that’s why we’re here. We pride ourselves on making the planning experience more comfortable and accessible for you.Call us at 772-774-7808 or email us at info@elitetax1040.com to schedule a no-cost, no-obligation phone introduction to learn more about each other and to determine if we can help.http://www.elitetax1040.com Influential Influencers with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-biran-herndon-president-of-elite-tax-advisory-services-llc-discussing-social-security-strategies

Josh Jalinski, The Financial Quarterback is joined by “America's #1 retirement expert” Bob Carlson, author of Where's My Money?: Secrets to Getting the Most out of Your Social Security, and editor of the monthly newsletter, Retirement Watch. Together Josh and Bob discuss the different social security strategies available to divorcees or even widowers that aren't available single filers or married couples. Listen to the Financial Quarterback live every Sat/Sun 9am EST on WOR AM710. Follow Josh on Facebook, Twitter and YouTube. Visit Jalinski.org for more information, and pick up his latest book, Retirement Reality Check now.

Learn the options for social security benefits if you or your spouse passes away. You can find more information by clicking here: https://bit.ly/38ryYM7 

Nate discusses social security claiming strategies. Key takeaways: First 12 months of claiming social security How to increase social security Working and receiving social security Spousal and divorce spousal benefits

Dan White's Radio Show: On The Money Dan White keeps listeners in the Philadelphia and Delaware Region up-to-date with the most pressing financial issues. With over 33 years of professional financial planning experience, Dan has a talent of explaining the complex issues in his weekly show. Dan White is a Financial Specialist in the tri-state area who focuses his practice on income and transitional planning. As a highly regarded professional in the industry, Dan has been published both nationally and locally. Nationally, you can find him in Fox Business News, Forbes, CNN Money, U.S. News & World Report, Market Watch from Dow Jones, Wall Street Journal, Philadelphia Business Journal, The Delaware County Daily Times, and The Philadelphia Inquirer. Locally, he is known as an expert financial contributor in Kennett Square Neighbor, Garnet Valley Living, West Chester Living, Chadds Ford Neighbors, and East Braford Neighbors Magazines. In addition, Dan hosts a weekly radio show on WDEL (101.7 FM / 1150 AM) every Sunday morning at 7am called “On the Money”. He can also be heard on the WDEL Rick Jensen show, on Wednesday afternoons, with the “Dan White Retirement Tip of the Day”. Dan was born and raised in Delaware County, only separating during his college years at State College. Dan and his wife Cindy have been married over 30 years. They have four children; Jessica, Justin, Dylan, and Zachary. Dan is an active member of his church, and a very passionate sports fan! In his spare time you can find him at a Phillies Baseball Game or Penn State University cheering on the Nittany Lions. Dan and his family also enjoy spending their summers at their beach house in Ocean City, New Jersey. (610) 358-8942 | Daniel A. White & Associates, LLC | 51 Woodland Drive, Glen Mills, PA 19342 | www.danwhiteandassociates.com

In episode 22, Mike Webb chats with Mary Beth Franklin, contributing editor to InvestmentNews and a nationally recognized expert on Social Security claiming strategies. Sharing the current funding concerns and potential future reforms for social security, Mary Beth provides tips on when to claim and when to delay social security benefits in order to maximize value, particularly in the current low-interest rate environment. She also highlights the specific need for women to carefully consider their social security claiming strategy to ensure sufficient retirement income.

Our guest this week is Social Security and retirement planning expert Mary Beth Franklin. Mary Beth is president of RetirePro and a contributing editor to InvestmentNews. She's a frequent public speaker and she also has her own podcast, "Retirement Repair Shop." In addition to her deep knowledge about retirement planning, Mary Beth is a virtual encyclopedia on the ins and outs of Social Security, especially beneficial claiming strategies. Her most recent book is Maximizing Social Security Retirement Benefits: Everything You Need to Know to Get the Most Out of Complicated New Claiming Rules. Prior to joining InvestmentNews, Mary Beth was tax editor at Kiplinger’s Personal Finance and a Capitol Hill reporter at United Press International. She has also earned the Certified Financial Planner designation.BackgroundMary Beth Franklin bio  Mary Beth Franklin InvestmentNews article archive  Mary Beth Franklin on Twitter Mary Beth Franklin Retirement Repair Shop podcast Pandemic Impact on Retirement, Social Security Planning“Rethinking Retirement Amid the COVID-19 Crisis,” by Mary Beth Franklin, InvestmentNews, May 10, 2020.  “Americans Remain Confident about Their Retirement Prospects,” by Mary Beth Franklin, InvestmentNews, April 29, 2020.  Withdrawing Your Social Security Application, SSA.gov.  Suspending Your Retirement Benefits Payments, SSA.gov.  “Pandemic Prompts Some to Rethink Social Security Claiming Strategy," by Mary Beth Franklin, InvestmentNews, April 7, 2020.  “Escape Hatch for Workers Claiming Social Security Early,” by Mary Beth Franklin, Investment News, April 22, 2020.  “Taking Social Security in the Pandemic: What to Know,” by Mark Miller, The New York Times, April 17, 2020.  “Social Security Has a Quick Cash Solution,” by Mary Beth Franklin, Investment News, May 19, 2020.  “Coronavirus-Related Relief for Retirement Plans and IRAs: Questions and Answers,” IRS.gov.  “Few Use CARES Act to Tap Retirement Savings,” by Mary Beth Franklin, InvestmentNews, June 10, 2020.  “How to Fund a Social Security Delay,” by Mary Beth Franklin, Investment News, Aug. 11, 2017.  “Wade Pfau: The 4% Rule Is No Longer Safe,” by Wade Pfau, Christine Benz, and Jeff Ptak, The Long View podcast, April 29, 2020.  “Using Reverse Mortgages in a Responsible Retirement Income Plan,” by Wade Pfau, Retirement Researcher.com. “Senior-Housing Communities Face Higher Vacancy Rates Amid Coronavirus,” by Peter Grant, The Wall Street Journal, May 12, 2020.  Tax Planning and Retirement“Stimulus Package Has Helpful Provisions for Retireees,” by Mary Beth Franklin, InvestmentNews, April 1, 2020.  “RMD Rollover Relief Granted Under CARES Act,” by Jeff Stimpson, Accounting Today, June 23, 2020. “Now Is the Time to Convert Your Traditional IRA to a Roth,” by Rodney Brooks, U.S. News & World Report, April 3, 2020.Social Security Claiming“Coronavirus Is Closing Social Security Offices: Here’s How to Get Benefit Help,” by Mark Miller, The New York Times, March 17, 2020.  My Social Security  Social Security Retirement Estimator  "Your Retirement Benefit: How It’s Figured," SSA.gov.“Social Security and Survivor Benefits,” by Mary Beth Franklin, InvestmentNews, Feb. 27, 2020. “Social Security Claiming Strategies for Married Couples,” by Mary Beth Franklin, InvestmentNews, Feb. 21, 2020.  “Social Security Strategies for Singles,” by Lynnette Khalfani-Cox, AARP.org.  “Social Security Surviving Divorced Spouse Benefits,” Benefits.gov.  “Social Security Widow(er)’s Insurance Benefits," Benefits.gov.  Social Security Financial Health“Social Security Funding Still Set to Run Out in 2035,” by Mary Beth Franklin, InvestmentNews, April 22, 2020. "No, You Won't Lose All of Your Social Security Benefits," by Steve Vernon, Forbes.com, April 22, 2020. The 2020 OASDI Trustees Report

Tune in to learn how to pick up an extra $100,000 in retirement income. Find out how to maximize your social security and to learn about potential mistakes people can make when collecting their benefit. See omnystudio.com/listener for privacy information.

There are hundreds of strategies for claiming Social Security, but those strategies can get even more complex in a recession. Not only is stock market volatility impacting income needs for those in or near retirement, but unemployment might also be a factor. In this episode, we talk about Social Security strategies retirees might consider in a recession. The Retirement Ready radio show is featured every Saturday on WTMJ 620 AM at 1:00 pm. We will bring you information on: Social Security options, retirement trends, options to retire with life changes and achieving a secure financial future. Listen live: www.wtmj.com/listen-live Drake & Associates, LLC is an Investment Adviser Representative of Loft Financial Advisory Group, a registered investment adviser located in Waukesha, Wisconsin. The opinions expressed by Drake & Associates and guests on this radio show are their own and do not reflect the opinions of 620 WTMJ or Good Karma Brands. All statements and opinions expressed are based upon information considered reliable although it should not be relied upon as such. Any statements or opinions are subject to change without notice. Information presented is for educational purposes only. Moreover, no listener should assume that any discussions or information presented serves as the receipt of, or a substitute for, personalized advice from Loft Financial Advisory Group or from any other investment professional and is not intended as an offer of solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Loft Financial Advisory Group is not a law firm or accounting firm, and no portion of this radio presentation should be interpreted as legal, accounting or tax advice. Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation.

Guests: Ted Sarenski, CPA/PFS During the coronavirus pandemic, you have witnessed uncertainty with personal finances and the anxiety that has come with even the best-laid plans. What can you do today to help your clients gain comfort and clarity? You can help them with their Social Security planning decisions. In this episode, learn from Social Security expert Ted Sarenski, CPA/PFS, as he shares key insights that will help you help your clients, including: Expectations for next year’s Trustees of Social Security and Medicare trust funds report Tips to keep age 62 clients going who are now unemployed or earning much less Decision-making formula for preserving Social Security benefits Considerations for married couples, surviving spouses, and families Social Security outlook for those under age 60 Access the related resources from this podcast: The 2020 Trustees of Social Security and Medicare trust funds report Ted Sarenski’s guide to Social Security planning The episode is brought to you by the AICPA’s Personal Financial Planning Section, the premier provider of information, tools, advocacy and guidance for professionals who specialize in providing tax, estate, retirement, risk management and investment planning advice and by the CPA/PFS Credential program which allows CPAs to demonstrate competence and confidence in providing these services to their clients. Visit us online at www.aicpa.org/pfp to join our community and gain access to valuable member-only benefits. Don’t miss an episode – subscribe to our podcast series on iTunes or Pod-o-Matic or Spotify! Just search for “AICPA Personal Financial Planning” on any Apple, Android or Windows device.

In this episode of Retirement Unlimited, Randy dives into Social Security Strategies in the Retirement Update. Next Randy discusses a roadmap for housing in Tactical Asset Management. Last Randy delves into the Biotech century ahead in News You Can Use. Enjoy.

In this episode of Upticks, Cory Bittner, CRPC® joins Jake Falcon, CRPC® to discuss some social security strategies. Jake and Cory take some time to discuss the benefits of taking social security at 62 and waiting until 70, what factors play into the decision to turn on social security, and making sure your plan to take social security aligns with your retirement plan. Make sure you watch until the end to hear about our latest Facebook poll! Jake and Cory have a lot to say about.

Welcome back for Season 2 of our Podcast Retire Eyes Wide Open! We've been busy around here conducting over 20 public seminars within the last year, just on Social Security. So we are starting the season with an in-depth look into Social Security strategies. Also, stay tuned for future episodes, we have a lineup of exciting special guests on all things financial and retirement. 

In this week’s podcast, our analysts talk about three great funds having a lousy year; special guest Mary Beth Franklin discusses the clever Social Security strategy that’ll be phased out next year; Debbie Wang puts LabCorp under the microscope; Christine Benz talks with special guest Carolyn McClanahan about planning and paying for long-term care; Alex Bryan shares three off-the-beaten-path ETFs; and RJ Hottovy examines Amazon’s future beyond Prime Day.

RIA Advisors Director of Financial Planning, Richard Rosso, w Danny Ratliff, CFP on the follies of Father's Day gift-giving and -getting; the Fiduciary Rules for Advisors: Why It Matters to You; The Social Security Survivor Conundrum; America's Wake-up Call on Debt.

There are 5 strategies that could help you get more out of your Social Security benefits when you retire. Don't miss Retirement Solutions Radio show. Air Date: 5/25/19

There are 5 strategies that could help you get more out of your Social Security benefits when you retire. Don't miss Retirement Solutions Radio show. Air Date 4/13/19

There are 5 strategies that could help you get more out of your Social Security benefits when you retire. Don’t miss this episode of Wealth From Wisdom to find out what they are!

Call 678-671-3779 to schedule your customized 5-Point Retirement Master Plan now.

Many of us are familiar with the idea of waiting on the Lord. For years, Robby explains, he thought just waiting was okay. He then explains how he studied QAVAH, from Genesis, and found that sometimes there is waiting, but sometimes you need to twist into your situation and get more insight. This twisting can help retirees find the right answer to when to claim their Social Security benefit.   Hans and Robby discuss 2 couples this week who have taken an usual route to their Social Security benefit:   The first couple is from Ohio. When they came to Hans they learned that the wife was going to be able to claim half of her husband's Social Security benefit. They were claiming the very small $120 benefit the wife had accrued during her working years. They had to suspend this, give back the money, and they will wait to claim off her husband for about $1,500 a month. Social Security has this built in “Oops clause” that allows you to do this within the first 12 months of electing your benefit.   The second couple, in Indiana, have to decide how their Social Security is going to work with their declining health as well as taxes. The husband is 62 and not in the greatest of health. He also has the possibility of still working and earning an income. While for sicker people, it is usually advantageous to start your benefit as soon as possible to maximize your money, if he earns over $17,000 a year, his benefit will be taxed. Hans goes through his situation and explains the compromise they came to.   Social Security full retirement age is a moving target, for people retiring right now, it is around age 66, in a few years, it will be around age 67. It is important to look into the decision well before you make it. Make sure to make QAVAH part of your life!   Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free!   You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling 919-535-8261. Learn more at CardinalGuide.com.

01:24 - The markets didn't seem to mind some of the bad news coming out of China and North Korea lately, which is a good sign our economy is robust enough to handle a little turbulence. 06:25 - Gregory previews some of the information that will be covered at the next Gregory Ricks Live: income planning, creating tax free income, Social Security Strategies, and estate planning. 09:21 - Are you interested in investing in Real Estate? Gregory deals with people who want to get into real estate to make some money, and shares some of the more common mistakes he sees. Buying real estate inside of you IRA can go horribly wrong if you mess it up. 14:55 - Gregory shares some additional insights on complications that can arise when buying real estate with an IRA. 21:45 - Michelle in Mandevilles asks Gregory Ricks if Social Security has any limits or penalties on outside income after full retirement age. Once you're at FRA, there is no clawbacks provisions nor penalties. The only thing that could cut into your Social Security check after FRA is taxes. 37:49 - If you can start getting Social Security checks at age 62, why would you wait to turn it on? 42:14 - Chris from Kenner is about to graduate college, and start saving through his employer plan. Should he be contributing to the regular 401k, or the Roth 401k? Gregory shows how the math tends to skew toward getting into a Roth account when you're younger. http://www.WinningAtLife.com

FCR 224 Social Security Strategies by Chris Bulman

Aired: 10/22/2016 10 AM:: Hosts discuss Social Security strategies for couples claiming spousal benefits as well as strategies for single people to consider. "Big Al" closes the hour discussing the downsides of annuities.

8 Purchases That Can Save Big Money...Investment Beneficiaries...Social Security Strategies... Take 2...

You may think Social Security is some sort of fixed payment at a certain age, OR that you are too young to make plans for this benefit...if so you would be terribly wrong. It is shocking how many social security strategies exist that can actually make you thousands and thousands of dollars during retirement. Join Mark and Mat with Social Security expert and Financial Advisor, Randy Luebke, to discuss strategies that will blow your mind and enrich your retirement. More info at www.refreshyourwealth.com.

You may think Social Security is some sort of fixed payment at a certain age, OR that you are too young to make plans for this benefit...if so you would be terribly wrong. It is shocking how many social security strategies exist that can actually make you thousands and thousands of dollars during retirement. Join Mark and Mat with Social Security expert and Financial Advisor, Randy Luebke, to discuss strategies that will blow your mind and enrich your retirement. More info at www.refreshyourwealth.com.

TOPICS COVERED: Guest Introduction: Ed Slott, CPA; Roth IRAs as an Alternative to a 529 Plan; The Importance of Beneficiary Forms; Potential Death of the Stretch; An Alternative to the Stretch; The Integration of Social Security Strategies and IRA Strategies

DisclaimerTopics and Strategies discussed in TIPShow broadcasts are general in nature and may not apply to your individual situation.  The views expressed in this talk are solely the opinions of the speakers involved.  These opinions are general in nature and not designed to provide specific investment advice to individuals.Investors should not make investment decisions based exclusively on the material discussed on this call.CapSouth Partners is an independent, Registered Investment Advisor.  Please consult your tax or legal advisor before making decisions that may have tax or legal consequences

DisclaimerTopics and Strategies discussed in TIPShow broadcasts are general in nature and may not apply to your individual situation.  The views expressed in this talk are solely the opinions of the speakers involved.  These opinions are general in nature and not designed to provide specific investment advice to individuals.Investors should not make investment decisions based exclusively on the material discussed on this call.CapSouth Partners is an independent, Registered Investment Advisor.  Please consult your tax or legal advisor before making decisions that may have tax or legal consequences