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When helping clients think through their Social Security claiming strategies, it's important to ask key questions, get the technical details right, apply the rules correctly and connect the dots to Medicare, working and taxes. There is a domino effect on client decisions they don't realize.
|A client situation
Tony is 68, born in 1953. He plans to claim Social Security at 70. His $2,800 primary insurance amount (PIA) will grow to about $3,800 with delayed retirement credits. His wife, Lucia, is 64, born in 1956. Her PIA is $1,000. She plans to wait until her full retirement age (FRA) to claim her spousal benefit.
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Marcia Mantell
Marcia Mantell, RMA, NSSA, is the founder and president of Mantell Retirement Consulting Inc., a retirement business development, marketing and communications, and education company supporting the financial services industry, advisors and their clients. She is the author of “What’s the Deal with Retirement Planning for Women?” and “What’s the Deal with Social Security for Women?” She blogs at BoomerRetirementBriefs.com.
