Two-Day Intensive Workshop on Savvy Social Security

See Us in Seattle September 18-19th!

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:

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:

Monaco Seattle
A Kimpton Hotel
1101 4th Avenue
Seattle, Washington 98101
http://www.monaco-seattle.com

Call now:

Kimpton Monaco Reservation Department: (206) 621-1770

Kimpton Central Reservations: (800) 715-6513

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, September 18)

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

Crafting Scenarios That Work for Your Clients—Case Studies

In this breakout session, you'll work with fellow advisors on specific case studies. You'll examine the facts, discuss possible approaches and then report back to the group for a wider critique of your recommendations.

Day Two (Friday, September 19)

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

Break 10:15 am —10:45 am

Session Two 10:45 am—12:00 noon

Introduction to Medicare and Its Role in Planning for Retirement Health Care Expenses

Medicare basics
- Enrollment periods
- Costs
- Benefits
- What Medicare doesn't cover
How Medicare works with private insurance
- Medigap
- Drug plans
- Medicare Advantage plans
Estimating health care expenses in retirement
- Premiums
- Out-of-pocket costs
- Long-term care

Lunch 12:00 pm—1:00 pm

Session Three 1:00 PM—2:45 pm

Building Your Business Around Savvy Social Security Planning

Marketing your Savvy Social Security planning services via seminars and workshops: Overview of the Marketing Toolkit
- Host a seminar
- Teach a class
- Speak to ready-made groups
Educating CPAs, attorneys, and other centers of influence

Things to Do in Seattle

Visit Pike Place Market: This outdoor market is one of Seattle's most popular attractions. Taking up nine acres, you can find vendors selling fresh produce and food, fish, flowers, clothes, art and more. You can also visit the original Starbucks, built in 1977. There are plenty of shops and restaurants to check out as well. The market is open from 9am-5pm (restaurants are open later) and is located on Pike St. and 1st Ave.
Chihuly Garden and Glass: This museum honoring the career of Dave Chihuly features a Glasshouse full of Chihuly's beautiful glasswork. The exhibition continues outside where glass and garden meet with glass pieces integrated into the surrounding nature. The museum is open Monday-Thursday from 10:00am-10:00pm and from 10:00am-11:00pm Friday-Sunday. Tickets for adults cost $21 and are $14 for children ages 4-12.
Seattle Space Needle: The place to go to a get a view of Seattle. Take a 41 second ride up 520 feet to reach the observation deck. From there you can overlook downtown Seattle, Olympic and Cascade Mountains, and surrounding islands. The observation deck is open from 8:00am-12:00am and tickets start at $10. It is located on Broad St. and 4th Avenue North.
Seattle Aquarium: Want to visit some aquatic animals? Head over to the Seattle Aquarium where you can see otters, seals, birds, fish and much more. The aquarium is open from 9:30am-5:00pm and is located on Alaskan Way, Pier 59. Tickets for adults cost $21.95 and children under 14 can visit for $14.95. (Children under 3 are free). You can also get a combo ticket to visit the aquarium and also take a ride on the Argosy Harbor Cruise.
Experience Music Project/Science Fiction Museum: This unique, non-profit museum focuses on contemporary popular culture. Founded by Microsoft co-founder, Paul Allen, the museum houses exhibits and interactive activity stations. Past exhibits have focused on Jimmy Hendrix, Nirvana, horror films, Legos, and fantasy stories to name a few. Tickets for adults are $18 and tickets for children under 17 are $16. The museum is open daily from 10:00am-7:00pm and is located on 5th Avenue North.
Pacific Science Center: For those more interested in science, Seattle is the home of the Pacific Science Center. The museum was originally opened in 1962 when Seattle hosted the World's Fair. The museum includes two IMAX theaters, a planetarium, a butterfly house, a laser dome theater, and many hands-on science activities. The museum is open from 10:00am to 6:00pm and tickets range from $18.00-$26.00. The museum is located on 2nd Avenue North.
Seattle Art Museum: For those looking to see art from around the world, the Seattle Art Museum is a must. The main museum is located downtown while another facility featuring sculptures is located at Olympic Park on the waterfront. The museum opened in 1933 and has over 25,000 pieces of art. Past exhibits have focused on the work of Van Hogh as well as artifacts from the tomb of Tutankhamun. The museum is open on Wednesdays from 10:00-5:00pm, Thursdays from 10:00am-9:00pm, and Friday-Sunday from 10:00am-5:00pm.
Woodland Park Zoo: Located only 10 minutes from downtown Seattle is the Woodland Park Zoo. This zoo is the home to over 1,100 animals including elephants, kangaroos, tigers, lions, giraffes, penguins, owls, reptiles, and many more. The zoo is open daily from 9:30am-6:00pm. Tickets for adults ages 13 and up is $18.75. Tickets for children ages 3-12 are $11.75.
Seattle Symphony: Classical music fans can catch a show at the Seattle Symphony. On September 18, 19, and 20, you see "Masterworks: Dvořák's Seventh Symphony." Tickets are not yet on sale but usually range from $30-$100. The theater is located on University Street in downtown Seattle.
The Museum of Flight: Located at the King County Airport, this museum has over 150 historic air and spacecraft artifacts. You can learn about the planes used in both World Wars, as well as the presidential 707 jet. The museum is open from 10:00am-5:00pm and tickets for adults cost $19.

Check out Seattle's City Pass which gives you admission to five Seattle sights (Space Needle, Seattle Aquarium, Argosy Cruise Harbor Tour, EMP Museum or Woodland Park Zoo, Pacific Science Center or The Museum of Flight) at a discounted rate. An adult city pass booklet costs $64 while a booklet for children ages 4-12 is $44.00.

Limited Offer, Limited Seating—Reserve Your Seat Now

You can attend this special, limited seating two-day workshop when you reserve your seat today. There will only be 30 advisors accepted into this workshop.

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