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.
Boost client loyalty
Demonstrate the value you bring by helping them determine the right collection strategy.
Increase client referrals
Clients tell their friends about Social Security tips and who shared them.
Increase center of influence referrals
Help your fellow professionals (e.g., CPAs, lawyers) answer their clients’ questions to boost referrals.

Set the foundation with seminars

Convert prospects to clients

Tailor the conversation

Many clients lose out on benefits because they do not understand all the rules. The rules to focus on will vary based on family situation:
Never married
Focus on the tradeoff of smaller benefits earlier compared to larger benefits later.
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.

Illustrate the tradeoffs

Run a custom analysis and discuss potential strategies. Help your married, divorced, widowed and single clients develop a strategy for maximizing their benefits.
Social Security benefits estimator
Social Security benefits estimator
Help clients select their strategy by comparing lifetime benefits across collection strategies and longevity assumptions.
Understand collection strategies
Understand collection strategies
Use our advisor guide to Social Security fundamentals and strategies to help guide your clients appropriately.
Consider investing for income
After maximizing their lifetime Social Security benefits, consider income products that bridge the gap between Social Security checks and the monthly income your retiring clients need.
Consider investing for income

Coach into retirement

Deciding when to begin Social Security benefits is multifaceted. These client-approved materials can help you ensure your clients are selecting the best collection strategy for their situation.

Client brochure
Help your clients understand the fundamentals to make the best decision for their circumstances
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.
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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Grow through behavioral coaching
Coach with behavioral finance
Demonstrate your ability to help clients confidently navigate the ups and downs of the markets and their emotions.
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Empower women
Help current and future female clients define what wealth means for them and build a solid foundation.
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