Two-Day Intensive Workshop on Savvy Social Security

See Us in Phoenix March 12th-13th!

Finally, Your Chance to Immerse Yourself in the Intricacies of Social Security Planning

Join Horsesmouth's Elaine Floyd, CFP^® in two days of accelerated learning that will:

More than 50 games during the week!

Help you achieve mastery over this critical retirement planning topic
Cover the full range of tricky claiming strategies
Examine how to integrate Social Security into your client service and business development strategies

Dear Advisor:

If there's one financial planning issue that has dramatically reared its head in recent years, it's Social Security planning for boomers.

For years, many advisors followed a simple rule of thumb: They'd tell clients to file early for Social Security and get the money while they could.

Of course, that has proven to be a terrible mistake for many people. The truth is there is no simple rule of thumb when it comes to claiming strategies for Social Security, especially when you start to consider spouses, age differences, retirement assets, health needs and other variables.

Social Security planning is complicated. And while the Savvy Social Security Planning for Boomers program gets you up to speed on these issues, many advisors have expressed the desire to go deeper.

That's why we've developed our intensive, two-day workshop on Social Security.

You'll get the chance to spend quality time with Elaine Floyd and other like-minded advisors while really exploring the intricacies of how Social Security planning intersects with your clients' retirement income planning needs.

Workshop Objectives

We've designed the workshop around these key objectives:

To learn the intricacies of how benefits are calculated so you can help clients maximize their individual benefits.
To learn how to design claiming scenarios for married couples, widow(er)s, and other dually entitled clients so you can take advantage of sequencing rules to maximize benefits.
To deepen your Social Security expertise so you will be ready for any question presented by a client, CPA, or reporter.
To understand complex cases involving dependent benefits, disability benefits, WEP/GPO, self-employed individuals, same-sex couples, and more.
To get fresh ideas for marketing your Social Security expertise to new prospects and centers of influence.
To find out how other financial advisors are using the Savvy Social Security Planning program to serve clients and bring in new business.
To get accurate information on Social Security straight from Elaine Floyd.

Who Should Attend

The workshop will cover everything an advisor needs to know to work with clients and prospects on selecting the best time and best strategies for claiming Social Security benefits.

The chief benefit of the workshop is to carve out two days of learning, uninterrupted by the rest of your business.

So whether you are well-acquainted with the topic, or just starting out, the workshop will be a unique chance to learn it all.

And you'll go home with a vastly expanded understanding of how to solve clients' Social Security claiming scenarios.

Presenters

Elaine Floyd

Your workshop will be led by Elaine Floyd, CFP^®, Horsesmouth's Director of Retirement and Life Planning. Elaine is the author of The Financial Advisor's Guide to Savvy Social Security and The Financial Advisor's Guide to Savvy Medicare. She is often quoted in leading publications including the Wall Street Journal, Kiplinger's Retirement Report, Marketwatch's Retirement Weekly and other publications.

Wendi Webb

Wendi Webb, director of Horsesmouth's Advisor/Client program. Wendi is the author of Rich Niche Prospecting: 30 Days to Launch Your New Target Market Strategy. She has her MBA from Pepperdine, and before Horsesmouth, she was the marketing director for a financial advisory firm where her sole purpose was to get the founders of the firm in front of warm, qualified prospects. She has written, designed and produced almost every kind of marketing from direct mail, seminars & workshops, cruises, newsletters, radio, social media, and direct referral campaigns.

Format

The workshop will be interactive. Elaine will walk you through various topics and scenarios and then leave time for questions and discussion. You'll also have time to work with fellow advisors in small groups to analyze specific case scenarios. Feel free to bring your own case studies for analysis by Elaine and the group.

The event is limited to 30 advisors.

Location

The workshop will be held at:

Sheraton Crescent Hotel
2620 West Dunlap Avenue
Phoenix, AZ 85021
http://www.sheratoncrescent.com

Workshop Room Rates

Ask for the Horsesmouth Fall Social Security rate when you book your room. Rates are $189/night for both single and double rooms. Call now:

Sheraton Crescent Front Desk: (602) 943-8200

Sheraton Reservations: (888) 627-7023

Check Out Spring Training Baseball

More than 50 games during the week!

March is the perfect time to visit Phoenix as 15 teams call the city home for their spring training season. Come early or stay late to take advantage of the full baseball schedule—there are more than 50 games scheduled during the week and weekend.

Travel to Phoenix early for the weekend of March 8-9th to check out:

Athletics vs. Rockies
Cubs vs. Reds
Diamondbacks vs. Angels
Mariners vs. Giants
Royals vs. Brewers
And many more!

Or extend your trip into the weekend of March 14-15th to see:

Athletics vs. Giants
Padres vs. Dodgers
Mets vs. Cubs
White Sox vs. Rangers
Diamondbacks vs. Indians
And more!

There are afternoon and night games scheduled each day and stadiums are spread out around the city. Tickets are not yet for sale, but prices are generally around $15-$20 per game. Visit www.cactusleague.com for more information.

Key Workshop Questions

What's covered: Your workshop fee includes all the workshop materials and breakfast and lunch both days.

Continuing education: Yes, the workshop includes 10.5 continuing education credits for CFPs.

Cancellation and Refund policy

Your workshop registration fee workshop fee is 100% refundable if you cancel and contact Horsesmouth's Member Support team 30 business days or more before the event. You must call to receive a cancellation confirmation number. You can reach Member Support at 1-888-336-6884, ext. 1.

Cancellations received between 7-29 days prior to the event will receive a Horsesmouth store credit of 50% of purchase price towards a future event, subscriptions or products, minus $100 processing fee. For cancellations received 6 days or less prior the event, no refunds will be made nor store credits given.

Substitutions/name changes may be made at any time prior to the event without penalty.

Other workshop dates: Currently, this is the only date planned.

Savvy Social Security Planning: Intensive 2-day Workshop for Financial Advisors

10.5 CE credits for CFP®

Program Overview

Day One (Thursday, March 12)

Registration 8:00 am—8:45 am

Session One 8:45 am—10:15 am

Understanding the Basics of Social Security

The value of Social Security to your clients
The value of Savvy Social Security Planning to your business
How Social Security works
- Brief history of the program
- How Social Security is financed
How benefits are calculated
- Basic eligibility
- How the earnings record is established
- How the AIME and PIA are calculated
- Full retirement age
- Reductions for early claiming
- Credits for delayed claiming
- Spousal benefits
- Survivor benefits
The unintended consequences of early claiming
- Permanent benefit reduction and its impact on lifetime benefits
- Earnings test
- Unavailability of spousal strategies
- How to correct if already claimed
How to maximize benefits—understanding the impact of:
- Additional earnings
- Delayed claiming
- COLAs
- Coordination with other benefits (spousal, survivor)

Break 10:15—10:45

Session Two 10:45—12:00 noon

Introduction to Claiming Strategies

How to help clients with Social Security claiming strategies: rules and examples of scenario planning
- Questions to ask your clients
- Understanding the rules for each client situation
- How to approach scenario planning: where to start
- Avoiding invalid scenarios
Designing claiming strategies for:
- Single individuals
  - Never married
  - Divorced
  - Widowed
- Married couples
  - Two high earners
  - One higher earner, one low earner
Complex cases
- Age disparity between spouses
- Minor children
- One spouse has short life expectancy
- Unmarried couples
Implications for marital decisions
- How will remarriage affect Social Security benefits, either now or later?
- How will divorce affect Social Security benefits?
- Now that same-sex couples can marry in many states, should they?

Lunch 12:00 noon—1:00 pm

Session Three 1:00 PM—2:45 pm

The Q&A Intensive: Understanding the Rules

The five top questions asked by clients and how to answer them
Other commonly asked questions
We've heard them all: Arcane questions posted by advisors on the Savvy Social Security site
Your questions

Break 2:45 pm—3:15 pm

Session Four 3:15 pm—5:00 pm

Case Studies and Calculator Demonstration

Scenario planning using case studies brought in by participants. Calculator demonstration and discussion of claiming strategies.

Cocktail Hour 5:00 pm

Day Two (Friday, March 13)

Session One 8:45 am—10:15 am

Examining Advanced Social Security Topics

How to use the SSA Detailed Calculator
Navigating POMS
WEP/GPO for government workers and teachers
Self-employed clients: how much should they pay themselves and/or their spouses to maximize Social Security?
Taxation of Social Security benefits
How the earnings test works
Maximum family benefit
Reform proposals and the future of the Social Security system
Introduction to Medicare

Break 10:15 am —10:45 am

Session Two 10:45 am—12:00 noon

Review of Social Security Rules and Strategies

Questions from the Savvy Social Security website
Your questions

Building Your Business Around Savvy Social Security Planning: Part 1

Marketing tools
Survey: How advisors succeed with workshops

Lunch 12:00 pm—1:00 pm