Will you have Social Security or Social Insecurity?
Welcome to the tantalizing and seductive world of Social Security. Many say seduction starts with the mind. Whether you're single, married, divorced, widowed or even remarried and divorce a second time, you will discover something intriguing and thought provoking when you turn each page of this book. Shockingly, you will find situational examples of fifty shades of grey when devising your Social Security claiming strategy. And you didn't think Social Security could be so sexy, did you.
Confused, Bewildered, Perplexed and Unsure About Social Security?
Google "Social Security" on your computer and you may get 460,000,000 search results. Google "Social Security claiming strategies" and you may find over 3,000,000 search results alone. By one calculation, there are over 817 possibilities from 57 basic variations in which you can claim Social Security benefits. Who wouldn't be confused or bewildered by all this available information. If you have an evening to kill, try navigating the Social Security Handbook online. An immediate nightmare comes to mind.
Here is Your Resource Guide
Are you looking for a resource guide which can help you navigate this maze of Social Security information and claiming options available to you? Want a clear and concise book which answers all your questions? It's not the answers you already know, it's the questions you don't even know to ask!
Questions you Might be Thinking About?
- How many earnings credits do I need to be eligible for Social Security retirement benefits ?
- What if my earnings record is wrong?
- What are earnings cap restrictions?
- Can my Social Security benefits be reduced?
- What are delayed retirement credits?
- When can I can survivor benefits?
- How can I ensure my spouse gets the largest Social Security benefit they are entitled to?
- Are my Social Security benefits subject to federal income taxes?
- What is provisional income and how do I calculate it?
- What is file and suspend?
- What is a Social Security do over?
- What is a restricted claim?
- I'm getting remarried at 59. Should I wait?
- What advantage do divorced spouses have which their married counterparts don't have?
- What does Medicare cover?
- Is Medicare completed free?
- Are there other options for health care besides Medicare?
Click the book cover to “Look Inside” to read the first 10% of the book free.
Who might benefit from the information and tools contained in this book?
- You're going to be turning age 62 in 2015.
- You're married and what to know the various claiming strategies available to you as a couple.
- You want a comprehensive resource guide covering Social Security.
- You're a financial professional who wants to learn more about the options consumers have for claiming their benefits.
Retirement Planning and Health Care
Healthcare expenses can torpedo your retirement savings if these costs are not properly taken into account. Thinking that portfolio returns will exceed your potential health care expenses should extensive medical care be needed is ignoring financial market reality. Will your Social Security benefits go to just paying your healthcare costs?
Additional topics include:
- Prelude to Retirement
- Cost of Health Care
- Social Security Act of 1935
- Social Security Administration
- Social Security Terminology
- Social Security in a ZIRP World
- The Medicare Program
- The Future for Social Security
Stephen J. Stellhorn is the founder of MSM Capital Management, LLC (MSM). MSM is a Florida licensed insurance agency which provides Medicare health plans, long-term care, life, individual health and final expense insurance along with annuities to consumers. He also writes a blog and posts videos on his author website (stephenstellhorn.com), covering retirement concerns individuals and couples may face as they plan for and live through the various stages of retirement.
Stellhorn has a financial services career which spans over twenty-five years in banking, investments and insurance. He has held positions in retail and institutional bond sales, fixed income portfolio management, U.S. Government bond trading, bank balance sheet management, brokerage branch sales management and insurance and financial planning. Prior to beginning his business career, Stellhorn was a paramedic while pursuing his business degree.
He holds the Retirement Management Analyst (RMA) designation through the Retirement Income Industry Association (RIIA), of which he is an individual member. He has passed the FINRA and MSRB securities exams for the Series 7, 8, 24, 4, 27, 55, 63 and 65, and the Series 52 and 53. In addition, he has passed the State of Florida 2-15 insurance exam and is a Florida licensed insurance agent.
Stellhorn completed the Retirement Management Analyst Program at Boston University’s Center for Professional Education. He also completed and received a Certificate in Financial Planning from Kaplan University. He is a graduate of The Florida State University; earning dual Bachelor of Science degrees in International Business and Biological Science. Stellhorn is a member of the fraternity of Phi Gamma Delta.
Past firms he has been associated with include Waddell & Reed Financial Advisors, AXA Advisors, LLC, Charles Schwab & Co., ABN AMRO North America, European American Bank (EAB), NCNB, Pan American Bank, Mabon Nugent & Co. and Southeast Bank.
Stellhorn resides in Tampa, Florida.
