Spousal Social Security Strategy | Are You Leaving Money Behind? скачать в хорошем качестве

Spousal Social Security Strategy | Are You Leaving Money Behind?

David and Linda are in their late 50s and early 60s with $1.8 million saved for retirement—but one Social Security claiming strategy decision could change their outcome by $500,000. Like many pre-retirees, they assumed maximizing lifetime Social Security benefits was the goal. They were wrong. In this retirement planning case study, I break down two scenarios for this married couple: a standard baseline strategy versus a survivor protection approach. Most Social Security calculators assume you'll both live until 90, but life rarely follows a spreadsheet. Here's what we'll cover: → How to find the optimal Social Security claiming age for couples → Why life expectancy changes everything about when to claim → The math behind spousal benefits and survivor benefits → Why protecting the surviving spouse is often the smartest retirement income move you can make Whether you're 5 years from retirement or already counting down, this analysis gives you a clear framework for your own Social Security optimization decisions. ============================================ RESOURCES & LINKS ============================================ 📥 Download our Free Resources: Download Here ➡️https://glowfp.com/sign-up 🌟 Get Started with Glow Financial Planning Glow Financial Planning ➡️https://glowfp.com/ 👍 Subscribe to the channel for more financial planning insights Subscribe ➡️   / @glowfp   ============================================ VIDEO TIMESTAMPS ============================================ 0:00 - Meet the Chen's 1:30 - Baseline plan 4:28 - Survivor benefit plan 7:25 - Other Considerations ============================================ IMPORTANT DISCLOSURES ============================================ Glow Financial Planning LLC is a Registered Investment Adviser in the state(s) of Florida. Advisory services are only offered to clients or prospective clients where Glow Financial Planning LLC and its representatives are properly registered or exempt from registration. This video is for informational purposes only and does not constitute individualized advice or a guarantee that you will achieve a desired result. You should consult with an appropriate tax, legal and/or financial advisor for advice specific to your situation. All expressions of opinion reflect the judgment of the host/interviewee on the date of the program and are subject to change. All financial and personal information displayed represents hypothetical client scenarios for educational purposes and does not reflect any actual Glow Financial Planning LLC client data. Jordan Drinkhouse is an investment adviser representative of Glow Financial Planning LLC. The firm is a registered investment adviser and only conducts business in jurisdictions where it is properly registered, or is excluded or exempted from registration requirements. Registration as an investment adviser is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. The information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. Discussions should not be construed as an offer to buy or sell, or a solicitation of an offer to buy or sell the investments mentioned. A professional adviser should be consulted before implementing any of the strategies discussed. Investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for a client's portfolio. All investment strategies can result in profit or loss. The advertisements played during this video are controlled by the hosting platform and not by Glow Financial Planning LLC. Glow Financial Planning LLC is not responsible for the content, accuracy, or suitability of any advertisements heard during this program. Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.