Social Security Education

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Taxable Benefits 

Single - 

0% of the benefits are taxable less than < $25,000.

50% of the benefits are taxable >$25,000 and less than <$34,000.

85% of the benefits are taxable greater than >$34,000.

 

Married filing jointly-

0% of the benefits are taxable less than < $32,000.

50% of the benefits are taxable >$32,000 and less than <$44,000.

85% of the benefits are taxable greater than >$44,000.

The most important information that you will benefit from is getting advice on your numerous options that you have to choose from and which option is more profitable.

We can provide you advice on the best way to start and apply for your Social Security. Social Security is not allowed to advise you on which option is the best option for you to maximize your income stream.  

There could be several hundreds of options and programs available to you and your spouse. We will help you understand all of your options. It can be very confusing to many and unfortunately it has cost hundreds of thousands of dollars for the incorrect option selection. Don't let this happen to you!

Additional topics covered to help you better understand Social Security:

Understanding the basics about Social Security Benefits.

You will learn all the important terminology, filing dates & ages, how benefits are calculated as well as understanding what C.O.L.A. is. Depending on your earned income, we will teach you how to avoid any penalties. The penalties could be as high as 50% of your monthly Social Security income. We will educate you on what the tax implications are.

You will learn about the whole Social Security planning process and the information that is needed to start your Social Security Income and how to make the right decision. We will educate you on any potential gain that you may receive in delaying your payments.  

Financial game Plan will provide you with specific planning strategies designed for couples. Most people think of Social Security as two pots of money, hers and his. However for certain age groups there is a third pot of money that we will tell you if you qualify for. These unique strategies can provide provide a new monthly income that you did not know even existed. 

Lastly you may receive your personalized report showing how to maximize your benefits.

Social Security will penalize you if;

You begin collecting benefits before FRA or Full Retirement Age.

Before FRA:

You will have an exemption amount of $16,920 however any money received from work above that number you will have a reduction of your social security equal to $1 reduction for every $2 of income.

During FRA:

You will have an exemption amount of $44,880 however any money received from work above that number you will have a reduction of your social security equal to $1 reduction for every $3 of income.

The confidential form above is needed to receive your personalized social security report!

  • Thank you, we will be in touch.

Social Security Reports available   

Welcome to Financial Game Plan!

It is my goal to make this an easy and educational experience that could tremendously help you overall retirement income plan. Our financial coaches want you to feel confident and comfortable in planning your retirement with us. It is such an important time of your life, we are here to serve you and we are honored to help you.

  • Listed above are answers to many common questions that our clients had in their journey to understanding Social Security.

  • To start the process, please complete the confidential form above in order to begin evaluating the most economical and beneficial way for you to retire.

Thank you,

Mario Valori

Founder, President & CEO

Financial Coach