SOCIAL SECURITY

Incorporate Social Security to grow

Retiring clients fear outliving their savings. Having a strategy around Social Security can help. While many clients default to collecting at age 62, there are many other options to consider. The rules are complex, but even knowing the basics can help you maximize client benefits.

Why discuss

01

Boost client loyalty

Demonstrate the value you bring by helping clients determine the right collection strategy.

02

Increase client referrals

Clients tell their friends about Social Security tips and who shared them.

03

Grow COI network

Help your center of influence partners (e.g., CPAs, lawyers) answer their clients’ questions to boost referrals.

Use seminars to prospect

Securing your retirement
Help clients maximize benefits and gain confidence in their retirement plans. Share clients’ stories where choosing a different strategy impacted goals.
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Tailor conversations to client situations

Never married
Focus on the tradeoff of smaller benefits earlier compared to larger benefits later.
Married
Pay attention to spousal and survivor benefits. Collection decisions should be made jointly.
Divorced (unmarried)
Marriages lasting at least 10 years can entitle divorcees to spousal or survivor benefits.
Minor children
Disabled or minor children under 18 may be entitled to benefits.

What the 2024 Social Security COLA means for your clients

Be prepared for your clients’ questions about the smaller COLA for 2024 and increase your value by helping them maximize their potential Social Security benefits.

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Illustrate the tradeoffs

Social Security benefits estimator

Help your married, divorced, widowed and single clients select their strategy by comparing lifetime benefits across collection strategies and longevity assumptions.
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Understand collection strategies

Use our advisor guide to Social Security fundamental rules and key collection strategies to help guide your clients appropriately.
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Share client-approved resources

Client brochure
Help your clients understand the fundamentals to make the best decision for their circumstances
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Frequently asked questions
Clients often ask similar questions about benefits and acronyms. Use our frequently asked questions to provide the guidance and answers your clients need.
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Quick reference guide
Share this “cheat sheet” of the important rules and time frames to help your clients make more educated decisions around collecting benefits.
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Are your retiring clients asking about Medicare?

Healthpilot may be able to help them select an appropriate plan
Choosing a Medicare plan is complex and most clients want to seek advice from their advisor. Share Healthpilot’s online platform to enable your clients to enroll in an appropriate plan for their health needs and financial plan.
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Related materials
Medicare client seminar Medicare client seminar
Medicare quick reference Medicare quick reference

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