Reach more retirement prospects with Social Security Planning for Couples

Social Security claiming decisions become more complicated when two spouses are involved.

Client presentation included

Each spouse has an individual benefit, but the best strategy for the household may depend on spousal benefits, survivor benefits, claiming ages, earnings histories, and the way one spouse’s decision affects the other.

For advisors, that complexity creates an opportunity to demonstrate real planning value.

In this 90-minute workshop, you’ll learn how to evaluate Social Security claiming strategies for married couples and use that expertise to create stronger conversations with clients and prospects.

Turn what you learn into client acquisition

Your package includes:

A client-facing presentation: Savvy Social Security Planning for Couples
An article reprint: “Social Security Planning for Couples: Maximizing Survivor Benefits”
Practical ideas you can use in year-end reviews, educational events, and prospect conversations

Price: $495

Date and time: November 12, 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:

Who qualifies for spousal benefits and when
What must happen before a spouse can receive a spousal benefit
Current rules governing spousal benefits and delayed retirement credits
How spousal benefits are calculated when a spouse also qualifies for their own benefit
How each spouse’s claiming age can affect spousal and eventual survivor benefits
What happens to spousal benefits when the worker-spouse dies
How one spouse’s earnings can affect the household’s Social Security income
Planning considerations for couples who own a business together
Current rules for same-sex couples
How children can affect Social Security benefits
How the Social Security Fairness Act changed opportunities for some state and local government workers

This workshop is for advisors who want to:

Attract couples approaching retirement
Use Social Security education to create more one-on-one planning conversations
Build stronger relationships with both spouses
Better understand spousal and survivor benefit rules
Evaluate claiming strategies at the household level
Avoid recommendations based on incomplete or outdated Social Security assumptions
Expand Social Security conversations into retirement-income and survivor planning
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.

Show couples the value of coordinated planning

When spouses look at Social Security independently, they may miss how their decisions interact.

An advisor who can explain those tradeoffs clearly can help the couple see the value of coordinated retirement planning.

That expertise can strengthen existing relationships and give new prospects a concrete reason to engage.