Timothy Sumer

When should you claim Social Security? It's an important question. One study found that retirees have lost $3.4 trillion because the start taking Social Security too early. In this video we'll look at two strategies. One optimizes Social Security assuming you and your spouse will live long past your life expectancy. The other optimizes the claiming strategy based on life expectancy. Join the newsletter: ———————————— Video Resources ———————————— A Guide on Taking Social Security: How to Help Americans Claim Social Security at the Right Age: Maxifi: New Retirement: Open Social Security: Maxifi Review: New Retirement Review: ———————————— Investing Tools ———————————— My Book (Retire Before Mom and Dad): Personal Capital (Investment Tracking, retirement planning ): New Retirement (Retirement Planner): Stock Rover: M1 Finance $30 Bonus (IRA & Taxable Accounts): ———————————— Credit Cards & Banks ———————————— My Favorite Credit Cards: My Favorite O...

大家很关心如何最大化领取社安金。很多人在想，我可不可以先领取配偶的社安金，让自己的社安金一直增长到70岁，等自己的社安金增长到最高的时候，再换成自己的社安金。 这样可以吗？欢迎观看本期找答案！ 欢迎关注潘老师小课堂！ ********************* 欢迎大家订阅《潘老师小课堂》，理财退休生活有保障！ 想了解更详细的内容，或者有任何有关退休，年金，人寿保险，医疗保险，税务规划等等方面的，可以跟我们联系： 电话: 734-386-9145 email：panfinancialinc@gmail.com 微信：pan-financial-inc 公众号： ********************* 其他节目： 第81期： 没有40个积分有社安金养老金和免费的Medicare红蓝卡 Part A吗？不工作的单身、离婚、已婚配偶和丧偶的有什么不同，离异又复婚的怎么算？领取配偶社安金的一半到底有多少 第80期：您知道多大年龄可以领社安金，领多少？能提前领吗？夫妻或单身领取策略有什么不同？ 第11期：退休规划：如何优化配偶社安金政府养老金，怎么领取可以最优化，没有工作过，退休可以领社安金吗？最多可以领配偶的一半，Social Security Spousal Benefit 第 8 期: 美国养老退休金，我们能拿多少社安金吗？手把手教你计算，如何优化社安金领取，什么年龄拿社安金比较好呢？晚拿每年8%增长，Social Security Benefit, 拿社安金需要的条件 第79期：房产证上可以加孩子的名字吗？有什么潜在风险？如何避免巨额税和罚款，赠与税，遗产税 第78期：外国人在美国投资房地产，可能多交税喔，一定要注意的税务问题，遗产税，收入税，增值税，需要预扣多少？如何避免多交税？记得交税，否则预扣30%的收入税，卖房扣15%总额的税款 第77期：海外身份，绿卡公民在美国投资怎么收税，各自优缺点，遗产税都是1千2百多万吗？夫妻双方一人绿卡，一人外国人，怎么投资比较划算？外国人投资房地产、股票、公债，银行利息要交税吗？ 第76期：免税增长的Roth 拿钱的顺序，常见的问题，重要规则，实例分析，如何避免税和罚款Roth distribution examples 第75期：为什么要做Roth IRA Conversion，有收入...

Only 35% of Social Security recipients file at Full Retirement Age (FRA), yet most of them should... This short video will help you make the decision about when to file for this important part of your retirement income. Questions to Ask A Financial Planner to Determine if They Know How Social Security Really Works Please explain what the best age is for me to file for Social Security and Why? Please explain provisional income to me. What is the best age for my spouse to file for Social Security if her/his retirement benefit is less than half of mine? What are Social Security Credits and how are they calculated? What is a Social Security Breakeven Analysis and is this a good way to determine when to file? Do I need to file for for Social Security for my spouse to receive spousal benefits. What is the Survivor Benefit and how is it determined? What is the payout percentage difference between filing at full retirement age and minimum filing age? Note: If you financial plan...

Social Security is a swamp of rules and age triggers. As a woman, who statistically will live longer, you must be mindful of these rules as it will have a huge impact on your retirement income. Here are 5 beginner facts women need to know. With a bonus, little known fact about divorced survivor benefit. Don't just claim at 62 because your friends tell you it's a no-brainer. Be thoughtful and intentional - know the facts. Email me if you want more information about a personalized Social Security strategy that takes into consideration the whole financial picture. LADIES: JOIN MY ONLINE COMMUNITY = ====================== My industry is so regulated that I’m not able to answer comments here. Have a clarifying question? Facebook message us: Want to get started working with me? In the meantime – like & subscribe if you like what you see. ====================== Obligatory disclaimers: Securities offered through Kestra Investment Services, LLC (Kestra I...

Visit my Channel URL for more related videos. Here’s the link: CLICK COMMENTS BELOW TO SEE MORE. My previous vlog, “Why retire and collect social security at 62?” To request copy of EXCEL MODEL, Social Security Benefit Break-even Analysis: To request copy of Social Security Manual on Retirement Benefits: What is your full retirement age (FRA)? Social Security changes in 2022: Spousal benefit calculator: Turbotax Free Edition: A FREE eBook, My Free Catechism, has the following features: 1. It has an imprimatur, which means it is approved by the Catholic Church. 2. It is up-to-date, but written from a conservative, traditionalist standpoint. 3. It is written in question-and-answer format. 4. It is illustrated with plenty of colorful illustrations, which make the book interesting and easier to read. Request your FREE copy here: ... ( read more ) LEARN MORE ABOUT: IRA Accounts CONVERTING IRA TO GOLD: Gold IRA Account CONVERTING IRA TO SILVER: S...

If you delay Social Security income after your full retirement age (FRA), you can get more each month. The SSA rewards you for waiting to take retirement income with a raise that amounts to up to 8% per month. That’s a big difference, and it’s a powerful way to maximize your Social Security income. That higher monthly income lasts for the rest of your life, and if a surviving spouse takes over your income payments, they will also get the increased amount. So, delaying Social Security benefits can benefit you as well as your loved ones. 🌞 Subscribe to this channel (it's free): Get free retirement planning resources: 🔑 9 Keys to retirement planning 🐢 6 Safest Investments This video covers some of the basics of waiting to take benefits. You can delay until age 70, but after that, the increases stop, so there’s no point in waiting. And the extra income won’t affect a spouse who takes a spousal benefit off your work record (but again...

There are 7 Social Security facts every retiree must know. These will, in large part, determine both the quantity of your payment and quality of life for you and other dependents who may quality based on your filing. This video discusses what these 7 Social Security "must knows" are and how they affect you personally. I discuss Social Security payment vs filing age, Social Security's Return on Investment (ROI for middle income retirees, the Cost of Living Allowance (aka COLA) and why this is important, the possibility and implications of collecting Social Security while still working, changing your mind and "un-filing" for Social Security using SSA Form-521 and spousal benefits. RECOMMENDED VIDEOS 3 Social Security "Little Known Facts" that are VERY IMPORTANT: 7 Good Reasons to File for Social Security at Age 62: Average Retirement Savings at 60: Average Retirement Savings at 50: 3 Easy Ways to Boost Your Retirement Savings - Average...

Discussion of the the main topics to consider when deciding when to start your Social Security benefits Links in this video: retirement planning Insights - Taxes in Retirement - #RetirementPlanning #TaxPlanning #SocialSecurity DISCLAIMER: This video is only helpful hints and education. It is not specific tax, legal or investment advice. Before considering acting on anything you see in this video, first consult with your tax, legal or investment advisor. While the information expressed in this video is believed to be accurate, neither Andy Panko, CFP®, RICP®, EA nor Tenon Financial LLC make any guarantees to its accuracy.... ( read more ) LEARN MORE ABOUT: IRA Accounts CONVERTING IRA TO GOLD: Gold IRA Account CONVERTING IRA TO SILVER: Silver IRA Account REVEALED: Best Gold Backed IRA When it comes to planning for retirement, one of the most important decisions you will make is when to start Social Security. With so many options and factors to cons...

The Best Age For Social Security Is? - Make retirement planning Easier Subscribe Now: Download Our Retirement Toolkit: Over 60% of Social Security recipients claim their benefits before their Full Retirement Age. Is that the right decision? How can you determine when you should file for your benefits. What is the best age to file for Social Security? Should you really worry about all of the headlines saying Social Security Is Going Bankrupt? In this video, I give 5 reasons why you should file for your Social Security early and 5 reasons to delay filing for benefits. 👍 [PERSONALIZED SOCIAL SECURITY ANALYSIS AND RETIREMENT PLAN] If you have questions or comments email us Retire@theoremwm.com or head to www.Retireonceshow.com - Johnathan Rankin CRPC® CEPA®, Founder & CEO - Theorem Wealth Management 🎁 [ULTIMATE RETIREMENT TOOL KIT] 🌐[HOMEPAGE] 1️⃣[RETIRE ONCE] ----------------------- POPULAR RETIREMENT VIDEOS How rising inte...

Would you be happy with just 70% of the retirement benefits that you worked your whole life to build up? Some people are, but others are unaware that their timing on filing for benefits could cost them thousands. In this video, we’ll discuss how your decision on when to apply for Social Security retirement benefits can impact the amount of your monthly benefit LINKS MENTIONED IN THE VIDEO: Mysocialsecurity.gov Order 10 Costly Medicare Mistakes You Can't Afford to Make HERE: GUIDING YOU THROUGH MEDICARE SO YOU CAN MAKE CONFIDENT HEALTHCARE DECISIONS! WE SPEAK MEDICARE #SocialSecurity #SocialSecurityBenefits #SocialSecurityExplained SUBSCRIBE: Did you learn something new from this video? Subscribe for more helpful Medicare videos! Be sure to hit the bell to be notified when we publish our new Medicare videos: CONTACT US: We are licensed in 49 states (we aren't licensed in NY), and we are a top-producing, award-winning agency with over 15,000 5-star review...

Recently, Mass Mutual Life Insurance distributed a 10-question true/false quiz on Social Security to 1,500 adults. Only 28% received a passing grade, and only ONE person got all ten questions right. Social Security is one of the most important retirement benefits available, yet most Americans have very little understanding on how to maximize their benefits. In this episode, Joe and Al play “game show”, taking you through each of these ten questions to see how you fare. Find out how to claim your ex-spouse’s benefit, important ages to remember regarding Social Security and how to claim benefits for your dependent children. Free download - The Social Security Handbook: 00:00 - Intro 0:10 “What’s the largest asset you own facing retirement? Is it your IRA? 401(k)? Is it a pension plan? No, guess what it is—it’s your Social Security” 0:48 “Mass Mutual did a survey—they asked ten questions: 1500 people were asked the same ten questions, and only one person got them all right...

Click for FREE Help: In this video, Sylvia Gordon of The Medicare Family explains reason why you should take Social Security at your Full Retirement Age (FRA) versus taking it when you're first eligible (typically 62). This is Part 2 of our series on "When To Take Social Security". Find Part 1 here: SUBSCRIBE TO OUR CHANNEL: CONTACT US: We know Medicare can be confusing, but you don't have to do it all on your own! Our service is 100% FREE and we are licensed in all 50 states. Call us at 800-970-1964! VISIT OUR WEBSITE: FREE WEBINARS: JOIN FACEBOOK Q&A GROUP: #socialsecurity... ( read more ) LEARN MORE ABOUT: IRA Accounts CONVERTING IRA TO GOLD: Gold IRA Account CONVERTING IRA TO SILVER: Silver IRA Account REVEALED: Best Gold Backed IRA https://inflationprotection.org/reasons-to-take-social-security-at-67-should-you-wait/?feed_id=56736&_unique_id=63b4dc2e5a02f #Inflation #Retirement #GoldIRA #Wealth #Invest...

"Hi Big Al, my wife is on Social Security Disability Insurance, she will be full retirement age 66 & 4months on 3/26/2023. Her SSDI will convert to full retirement benefits in March. Question: Does she have to withdraw her FRB in order to receive delayed retirement credits? Will she be able to claim spousal benefits at her FRA and then claim her benefits at age 70? I am currently 60 & 4 months old. Question: Does my wife have to wait until I apply for SSRB at 62 for her to apply for spousal benefits or can she apply at her FRA? If I take my SSRB at 62, will I be able to suspend them at FRA 67 and apply for spousal benefits while receiving DRC’s until age 70? Will I have to apply for my Retirement benefits or will they start automatically at 70? Thank you for your guidance on these questions. Thank you, Gil & Linda." Listen to the entire Your Money, Your Wealth® podcast: Download the Social Security Handbook: Pure Financial Advisors, LLC is a fee-...