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Developing a Social Security Claiming Strategy - Updated for 2022

Workshop Title ThumbnailsDeveloping a social security Claiming strategy

Hosted by Wade Pfau.

For the vast majority of Americans, Social Security benefits serve as the core of a retirement income strategy. As a government-backed, inflation-adjusted monthly income for life, Social Security benefits help to manage longevity risk, inflation risk, and market risk. In addition to retirement worker benefits, Social Security also provides spousal, survivor, and dependent benefits on the worker’s earnings record.

It is vital to understand that the Social Security claiming decision should be made independently from when one decides to leave the labor force. Claiming decisions should not be taken lightly. It is possible to gain much from Social Security simply by understanding how the system works.

This workshop will walk you through the steps required to have a firm understanding about Social Security and how to approach claiming benefits for your household. We will discuss how Social Security benefits are calculated and how to factor in issues such a spousal and survivor benefit for couples, dependent benefits, and benefits for divorcees. We will also look at the earnings test, the windfall elimination provision and government pension offset for those spending a portion of their careers outside of the Social Security system, and cases where benefits may be suspended.

We also consider the philosophies about claiming Social Security, including its insurance value to protect for a long-life, breakeven analyses on when delaying benefits will pay off, and the applicability of arguments made in favor of claiming Social Security early. The latter involves a discussion of Social Security's history, and potential reform options related to what may happen as the Social Security trust fund approaches depletion. We will finish by looking at case studies about Social Security claiming using a free open-source online Social Security calculator. The intention for this workshop is to give you the knowledge and confidence to approach the Social Security claiming decision in the manner that can create the most long-term value for your retirement income plan.

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(Developing a Social Security Claiming Strategy - Updated for 2022)

Pay $295 one-time fee

And did we mention our staff?

Wade Pfau, Ph.D., Alex Murguia, Ph.D., and Bob French CFA® represent some of the leading minds in the industry.

What makes them unique, however, is not their ability to lead the research agenda for the financial planning profession (Wade Pfau), create a leading financial planning software platform for the industry (Bob), or blend the best of academic research and practical application within a wealth management firm (Alex)...


...What makes Wade, Alex, and Bob unique is their ability to distill the best that the science of financial planning has to offer and to present it to you in a very approachable and friendly manner.

Kind of like what your favorite teacher would do back in high school or college.

This is their passion.

And did we mention our staff?

How much of your time would it take you to organize, synthesize, and continually curate all of this information?

How much would it cost you to hire a professional to do it for you?

Retirement Researcher Academy provides the best of both of these worlds and then some because over time you will also be able to piggy-back off of the community of Retirement Researchers that are also part of the Academy.

This is their passion.

You no longer have to worry about:

Keeping up with the latest financial planning research

Understanding how new tax laws (or any other laws) affect your plan

How current investment markets may affect your portfolio

How to navigate the financial professional landscape

Doing something markedly different from other people in your situation

Which assets to prioritize so you can appropriately budget time for each one.

The order of operations in completing each component of an asset to eliminate confusion.

We make it easy
for you by:

Researching and curating the best financial planning practices in an easy to understandable format and in accordance with your retirement income style

Providing frequent opportunities for discussion among our members through various workshops and Q&A formats.

Creating downloadable and easy to understand resources (e.g., calculators) tailor-made to practical retirement income issues.

Benchmarking your situation to other similar like-minded Retirement Researchers in our members-only forum.

While there is always room for an advisor, we also believe that individuals like to access financial advice differently and at their own pace.

The delivery of financial advice is changing,
and we are at its forefront.

Joining the Retirement Researcher community is a great way to develop, maintain, and engage in your retirement income plan by yourself, with a helping hand, and with a community of other like-minded folks.

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