Two-Day Intensive Workshop
Retire Now, Retire Later? Social Security and Medicare in an
Age of Uncertainty...
- What does longevity mean for your clients? Working longer? Filing
restricted? Helping dependents? Planning for widows?…
- Get up to speed on the growing and complex ways the two biggest
retirement programs interact and impact retirees and pre-retirees…
- Learn the strategies your clients need help implementing. Join
us in San Diego
(May 9-10) or Atlanta (October 3-4).
Here are some topics we’ll dive into during our two-day
Effect of additional earnings (or lack thereof):
Advisors are getting a lot of questions lately on the effect
of additional earnings — or lack thereof — on a
person’s Social Security benefit. People pay into Social
Security for years without ever thinking about where those taxes
are going or how their earnings will affect their Social Security
benefit. Then, as they grow closer to retirement, they begin
to make the connection and wonder if they should work longer
or take their benefits now. You’ll need to know how to
puzzle this out with clients and prospects…
How to file a restricted application: It is
still possible for some clients to receive a spousal benefit
while their own benefit builds delayed credits. To do this,
they must “restrict the scope of the application,”
also known as filing a restricted application. But clients and
prospects remain completely confused about this strategy. Discover
how to show clients when and how this rule comes in to play…
Claiming benefits for dependent children: If
your client has a young wife and kids, he might consider claiming
dependent benefits for the young ones. But when it comes to
retirement benefits, the age at which these benefits are claimed
can have many ramifications. You need to know exactly when this
kind of strategy makes sense for everyone. The decision must
be made very carefully...
Survivor benefits for widows aged 60-70: One
of the trickiest — and most critical — Social Security
planning strategies applies to widows who are between the ages
of 60 and 70. Once a widow becomes eligible for survivor benefits
— as early as age 60 (50 if disabled) — she will
be looking for guidance on how and when to start her benefit.
If she also qualifies for Social Security on her own work record,
she will be wondering how that fits into the mix. If she’s
still working, she may wonder if she’ll be “penalized”
for earning too much. If she’s thinking about remarrying,
she may ask how the remarriage will affect her survivor benefit...
Medicare AND Social Security
Plus, advisors increasingly realize they need to have a much
firmer handle on the role Medicare plays in the lives or retirees.
It’s not a one and done question like Social Security
When Medicare started in July of 1966, it was designed so that
retirees turning 65 would start Social Security benefits and
enroll in Medicare at the same time. The two programs were linked.
Indeed, the acceptance of Social Security benefits required
the acceptance of Medicare, a condition that exists today, even
though many people would prefer to take their Social Security
and Medicare at different times.
Advisors who help clients decide when to claim Social Security
benefits are addressing only half the story. Where people really
need help is deciding when they can, should, and must enroll
in the different parts of Medicare and how this decision correlates
with the Social Security claiming decision.
We are incorporating Medicare into our 2-day Intensive Social
Security workshop. If you have most of the Social Security basics
down and now want to see how the Medicare decision layers on
top of the Social Security claiming decision, this workshop
is for you. This is need-to-know material and offers 11.5 CE
credits for the CFP designation.
Kusske Financial Management
Getting to the
Nuts and Bolts
It’s a fabulous opportunity for us to get together—a
group of professionals from around the country. The knowledge
is invaluable. I’ve had the good fortune of working with
Horsesmouth since 2008 so it was just an affirmation of listening
to the webinars we’ve done with Elaine over the years
and again just an opportunity to really sit down and talk to
others and really get the nuts and bolts of it and we really
understand how we can utilize it to help our clients. The case
studies are phenomenal information.
“I think because as we’re all aging—a third
of my book of business is 60+ so I cater to the pre-retiree/retiree.
Just the knowledge base and helping clients get through some
of these hurdles that they are going to be facing, not only
with Social Security but the Medicare planning—getting
them to understand the options.
“Elaine’s a pillar…just an inspiration to
those of us to see somebody that knowledgeable and her passion
just comes through in her teaching. Just wonderful. I’m
really fortunate to be here.”
Integrated Financial Group
St. Louis, MO
A Catalyst for Just Doing It
I came because I’m semi-familiar with this and it’s
important to me. And I’ve now been a Savvy Social Security
subscriber for about a year and I’ve read through all
the Q and A. I’m fairly confident in an unconfident way
and I thought this would be a catalyst for really getting immersed
in it. I really felt like being in here with other people and
being involved in all that feedback would be helpful.
“I was talking to one of my colleagues last night who
came out here with me and I just said I’ve really enjoyed
Elaine. I think she hangs in there with us. And I feel like
she’s dedicated to it…I’m confident in what
she’s doing and why she’s doing it and I think being
here and seeing her in person was helpful with that.”
Marsh Financial Services
I came to this seminar to learn from the expert, Elaine Floyd
on how to develop strategies for integrating Social Security
into the overall retirement plan for my clients. But a big benefit
that I gained in addition to that was just being exposed to
the people here—to my peers who have been…some
of them have been doing it for years and they have a lot of
real life stories to tell. Others of us are new to this and
so we’re all searching for ways to improve. How’s
it going to help my clientele? Any time that we can help a client
get a bigger return on any investment and then help them strategize
those investments for the maximum lifetime payoffs…I
think that’s what Social Security is going to do for a
lot of people. I’m excited about the ways that I can use
this valuable tool.
“Elaine Floyd has this almost bigger than life reputation.
I was warned about her from my First Global broker dealer about
how knowledgeable she was and what she brings to the table.
She has surpassed it. She really has. It flows from her like
water. It’s just such a natural thing for her. It’s
because she’s just filled up with it. I will be using
her as a sounding board in the days and months to come. She’s
Questions to be addressed:
- What to do about Medicare when:
- You're already receiving Social Security at 65
You're not receiving Social
Security at 65
- You're still working
- Your employer plan is an HSA
- Your spouse's employer plan is an HSA
- You're retired and your former employer provides good retiree
- You've just applied for Social Security disability benefits
- Medicare vs. The Employer Plan
- Which is better?
- How to decide
- Can you have both?
- What about the spouse?
- How the income-related monthly adjustment amount (IRMAA) factors
into the Medicare and Social Security decision and why it demands
conscientious tax planning, preferably well before age 65
- Minefields to watch for and how to help clients avoid making
bad and irrevocable Social Security and Medicare decisions
Since launching Savvy Social Security in 2008, we’ve introduced
more than 10,000 advisors to the topic and our various training
Here’s an overview of how it works and what you’ll
learn each day:
Intensive 2-Day Workshop:
Deepen your understanding of the nuances, learn the range of
claiming strategies, and build your base of Social Security
and Medicare expertise.You
must be an active Social Security member to receive this deal.
If you aren't, Savvy Social Security will be added to your
order for $397.
Who should attend:
If you want to deepen and expand your expertise, especially
if you want to pursue the lucrative retirement income planning
market and expect to position yourself as a retirement “distribution”
expert. Social Security and Medicare will be a critical topic
in 2019 and beyond.
What will be covered:
A total immersion experience taking you through a complete review
of rules, strategies, and business development strategies, plus
scenario-building, case studies, and discussion of advanced
Take you from where you are now and put you on the path to becoming
or exceeding your role as the “Go-to Social Security expert”
in your region, with working knowledge of Medicare.
Open Window Financial Services
Building Confidence through Knowledge
I can’t say enough about Elaine Floyd. I came in with
preconceived notions being a subscriber to Horsesmouth and Social
Security programs and the Medicare program. I came here for
the couple of days already knowing that she’d help me
individually in a great way. So I came in very biased with a
positive view of Elaine Floyd and she’s only gone up from
there. It’s only gotten better. Very detailed…the
days have gone really quick here.”
Overview of what you will learn:
Deepen your understanding of Social Security topics, learn
the claiming strategies, and become an expert on Social Security
- Learn how to analyze claiming strategies for married couples,
divorced individuals, and widow(er)s
- Understand valid and invalid claiming scenarios
- Designing claiming strategies for married couples (including
same sex) and single individuals (never married, divorced, widowed)
- Examine complex cases with varying strategies and potential
- Review key implications for marital decisions
- Q&A intensive: Understanding the rules
- Scenario planning using online Savvy Social Security Spousal
- Study advanced topics: WEP/GPO, POMS, earnings test, dependent
benefits and family maximum, Medicare, and more
- Learn reform proposals and the future of the Social Security
- The top questions asked by clients and how to answer them
- Self-employed clients: How much should they pay themselves
and/or their spouses to maximize Social Security?
- How taxation impacts Social Security benefits
- How the earnings test works
- Understanding independent benefits and the maximum family benefit
- Introduction to Medicare and its role in planning for retirement
health care expenses
Social Security is one of the most powerful topics advisors
can use to meet qualified prospects and turn them into clients.
Learn the wide ranges of ways this is being done.
- Marketing your Savvy Social Security planning services via seminars
- Introduction to the Savvy Social Security Marketing Toolkit
- Case studies for presenting at: office, library, hotel, restaurant,
and other approaches
- Introduction to Advanced Social Security Business Development
- The anatomy of a successful seminar
- How to raise $5-7 million per year teaching Social Security
- Why and how the high-end dinner seminar still produces big results
- The best way to open your workshop presentation
- How to make presentations without paying for any marketing
- How to integrate powerful client case studies into your workshop
- Tactics for handling questions
- The best ways to leverage adult school opportunities
- Tactics for getting attendees to sign up for one-on-one meetings
- Use Social Security to build life-long loyalty with new clients
- How to run one-on-one meetings that lead to new clients
- How and why integrated marketing produces the best results for
- How to scale presenting at libraries
- The best way to reach CPAs and their clients with your workshop
Day One: Thursday
Session One: Introduction to Social Security
- What is Savvy Social Security Planning?
- Social Security: The value of your advice
- How Social Security benefits are calculated: AIME and PIA
- How claiming age affects the benefit amount
Session Two: Coordinating Auxiliary Benefits and Claiming
- Rules for spousal, divorced-spouse,
and survivor benefits
- Deemed filing and the Budget Act of 2015
- General advice for spouses
- Scenario planning for individuals and couples
- Coordinating spousal, divorced-spouse, survivor, and dependent
Session Three: Special Situations and Beyond the Calculators
- The earnings test
- Taxation of benefits
- Dependent benefits and the maximum family benefit
- Beyond the calculators: Multiple marriages, divorces, deaths
- How to conduct a Social Security audit
Day Two: Friday
Session Four: Introduction to Savvy Medicare Planning
- Why clients need Medicare planning and your role
- Medicare basics: Who signs up, and when?
- How to Medicare interacts with private insurance
Session Five: Medicare Costs
- Health care cost components: premiums, deductibles, cost sharing,
- Late enrollment penalties
- Managing and minimizing health care expenses in retirement
- Medigap vs. Medicare Advantage: What you need to know
Session Six: Transitioning to Medicare
- Savvy Medicare planning for clients under and over 65
- Considerations and steps to take when comparing plans
- Planning for health care costs in retirement
- Bonus session: History and financing of Social Security and
Session Seven: Building Your Business Around Savvy Social
- Marketing your Savvy Social Security planning services via seminars
and workshops: Overview of the Marketing Toolkit
- Case studies
- Workshop tips
- Educating CPAs, attorneys, and other centers of influence
Get Fully Up to Speed on the New Social Security Strategies!
Your workshop will be led by Elaine Floyd, CFP®, Horsesmouth’s
Director of Retirement and Life Planning. Elaine is the author
of The Financial Advisor’s Guide to Savvy Social Security
and The Financial Advisor’s Guide to Savvy Medicare.
She is often quoted in leading publications including the Wall
Street Journal, Kiplinger’s Retirement Report, Marketwatch’s
Retirement Weekly and other publications.
Sean M. Bailey is the editor in chief of Horsesmouth. Over the
last 16 years, Sean has interviewed hundreds of advisors about
“what’s working” in their efforts to grow
their businesses. In his business development presentation at
the Two-Day Intensive Workshop, he’ll lead you through
in-depth case studies examining the prospecting side of advising
Boomers about Social Security.
Cancellation and Refund policy
Your workshop registration fee is 100% refundable if you cancel
and contact Horsesmouth’s Member Support team 30 business
days or more before the event. You must call to receive a cancellation
confirmation number. You can reach Member Support at 1-888-336-6884,
Cancellations received between 7-29 days prior to the event
will receive a Horsesmouth store credit of 50% of purchase price
towards a future event, subscriptions or products, minus $100
processing fee. For cancellations received 6 days or less prior
the event, no refunds will be made nor store credits given.
Substitutions/name changes may be made at any time prior to
the event without penalty.
Can’t Make It Now?
Click this link and we’ll add you to
our workshop information list. When a new workshop date is announced,
you’ll get notified.
FOR INSTANT SERVICE, Call Toll Free: 1-888-336-6884 ext 1
(Outside U.S.): 1-212-343-8760