Use Social Security earnings expertise to start more retirement conversations

Many clients spend decades paying into Social Security without fully understanding how their earnings history affects the benefit they may eventually receive.

Client presentation included

This creates a useful opening for advisors.

Questions about working longer, retiring early, correcting an earnings record, or receiving benefits while still employed can lead directly into broader retirement planning conversations.

In this 90-minute workshop, you’ll learn how earnings affect Social Security benefits, how the benefit formula works, and how to help clients evaluate decisions that may increase or reduce future income.

You’ll also build expertise around a topic that can help you engage prospects who are still working and beginning to think seriously about retirement.

Turn what you learn into client acquisition

Your package includes:

A focused, 90-minute workshop for financial advisors
A client-facing presentation: Savvy Social Security Planning: What Retirees Need to Know About this Important Source of Income
A companion client handout
Practical ideas you can use in year-end reviews, educational events, and prospect conversations
Recorded workshop replay available for 90 days

Price: $495

Date and time: December 10, 2:00 p.m.–3:30 p.m. ET

Use the materials to educate your audience, demonstrate your planning process, and create opportunities for deeper follow-up conversations.

What you’ll learn

During this 90-minute session, you’ll explore:

How a client’s earnings record is established
When and how AIME and PIA are calculated by the Social Security Administration
How additional earnings may increase a client’s benefit
Why stopping work early may affect projected benefits differently than expected
How clients with gaps in their earnings history may be able to improve future benefits
How the retirement earnings test works for clients who claim before full retirement age
How benefits are recalculated after amounts are withheld under the earnings test
Why self-employed clients cannot simply structure income to avoid the earnings test
How advisors and CPAs can work together to balance taxes paid with potential Social Security benefits

This workshop is for advisors who want to:

Use Social Security education to attract working pre-retirees
Create more opportunities for retirement planning conversations
Better explain how earnings affect future benefits
Help clients understand the impact of working longer or retiring earlier
Navigate the retirement earnings test with greater confidence
Spot potential issues in Social Security earnings records
Build stronger referral relationships with CPAs
Earn 1.5 CFP® CE credits

Workshop presenter

Elaine Floyd, CFP®

Elaine Floyd, CFP®, is Horsesmouth’s Director of Retirement and Life Planning and has spent years helping financial professionals understand the complexities of Social Security and retirement income planning.

Her work focuses on the kinds of questions that often challenge advisors most: claiming strategies, spousal and survivor benefits, coordination of benefits, and the situations where straightforward rules become considerably less straightforward when applied to real people.

Elaine is the longtime leader of Horsesmouth’s Savvy Social Security Planning program and has developed extensive advisor education around Social Security, including professional guides, presentations, newsletters and answers to thousands of advisor questions.

She has also been quoted in publications including The Wall Street Journal, The New York Times, U.S. News & World Report, Kiplinger’s Retirement Report and Retirement Weekly, and has presented to professional audiences including FPA and AICPA.

Reach clients before the retirement date is set

Social Security planning often starts years before a client files for benefits.

Advisors who understand how earnings affect future benefits can help clients make more informed decisions while there is still time to act.

That creates an opportunity to demonstrate value early and expand the conversation into a broader retirement plan.