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Clients are often confused about whether to apply early and draw a smaller check—or hold out for larger benefits. The key to determining what's best for a particular client is to calculate the break-even point.
Here are the retirement plan, Social Security, and Medicare income limits, contribution limits, and inflation adjustments for 2008. Keep these charts handy for client reviews and planning sessions.
The rules are convoluted and tricky. However, good postmortem planning means that your clients will receive all of the benefits due. It may benefit your clients to conduct a Social Security review—particularly for newly widowed clients or those already receiving survivor's benefits.
Market volatility isn't the only factor likely to affect clients' financial security during their golden years. Help them evaluate the risks up front—so that they can minimize the impact once they've retired.
IMPORTANT NOTICE This material is provided exclusively for use by Horsesmouth members and is subject to Horsesmouth Terms & Conditions and applicable copyright laws. Unauthorized use, reproduction or distribution of this material is a violation of federal law and punishable by civil and criminal penalty. This material is furnished “as is” without warranty of any kind. Its accuracy and completeness is not guaranteed and all warranties express or implied are hereby excluded.
Social Security and Medicare Workshop
With Elaine Floyd, CFP®
May 12–15, 2025
The Discovery Meeting Workshop: Transform Your Discovery Process
May 19–20, 2025