NO SEMINARS REQUIRED

Answer Clients’ Social Security Questions with the Confidence and Mastery of a Retirement Income Expert…

Deftly guide people through such thorny issues, such as:

• What’s the best time to file for benefits and get the highest monthly check?
• What if I file early and invest all of my benefits?
• Should I spend Social Security money or IRA money first?
• What if my wife wants to file now on my record, but I want to keep working?

Save When You Get These Critical Resources and Support to Help Your Clients Maximize Their Social Security Decisions…

Gain complete mastery over all aspects of Social Security so you can guide your clients to make the best possible retirement income decisions.

• Yes, I want Horsesmouth’s Social Security Mastery Program for $597 (plus shipping and handling). I’ll add to my retirement income expertise when I get The Financial Advisor’s Guide to Savvy Social Security Planning for Boomers; 135 Social Security Questions Answered: What Savvy Advisors Need to Know; and 7 proprietary calculators.

  Program includes:

  COMPREHENSIVE GUIDE
  175+ page action research report

• 

  175+ page action research report

  The Financial Advisor’s Guide to Savvy Social Security Planning for Boomers:

  This 175+ page action research report by Elaine Floyd walks you through all the major aspects of smart Social Security planning, equips you both with business development insights for how and why to engage clients and prospects around Social Security, and a reference guide that gives you mastery and competence over this important, complicated topic. ($199 value). Key chapters cover:

  • Chapter 1: What Financial Advisors Need to Know About Social Security
  • Chapter 2: The Role of Social Security in a Client’s Overall Retirement Plan
  • Chapter 3: How Social Security Works
  • Chapter 4: Boosting Benefits by Increasing Current Earnings
  • Chapter 5: When to Apply: Strategies for Maximizing Lifetime Benefits
  • Chapter 6: Coordinating Spousal Benefits
  • Chapter 7: Women and Social Security
  • Chapter 8: Taxes on Social Security Benefits
  • Chapter 9: Other Social Security Programs
  • Chapter 10: Medicare and Long-Term Care
  • Chapter 11: Mechanics of the Social Security Program
  • Chapter 12: History and Financing of the Social Security System

  ADVANCED MASTERY
  Real-Life, Client Questions Answered

• 

  135 Social Security Questions Answered:

  What Savvy Advisors Need to Know!

  135 Social Security Questions Answered: What Savvy Advisors Need to Know: Every day Elaine Floyd spends time researching and answering tricky, perplexing, contradictory and generally vexing Social Security questions. Here are the answers that will raise your level of mastery as you assist your clients with making the best Social Security benefit decisions possible.

  Here’s the overview of what’s covered to give you an idea of what you’ll find ($199 value):

  • When to apply - questions 1–9
  • How working affects benefits - questions 10–23
  • Spousal benefits - questions 24–72
  • Survivor benefits - questions 73–97
  • Divorced-spouse benefits - questions 98–118
  • Taxation of benefits - questions 119–124
  • Miscellany - questions 125–135

  ANALYTICAL TOOLS

• Custom Client Reports Analyzing the Best Strategies: Our Savvy Social Security Calculator Suite allows you to create fully customized reports for clients. They can choose from the best strategies you present them. The online calculator suite includes: Spousal Planning, Simple Breakeven, Retirement Spending, Reinvest Breakeven, Divorce, Survivor and WEP/GPO Planning. ($520 value).

  • Simple Breakeven Calculator—This basic calculator helps you advise clients on when to apply for Social Security benefits. It allows you to run two scenarios—apply earlier and receive a smaller amount, or apply later and receive a larger amount. The calculator shows the age the client must live beyond in order for delayed benefits to produce a higher cumulative amount. This calculator is designed for simplicity and does not take into account investment returns if benefits are invested.

  • Retirement Spending Breakeven Calculator—This calculator assumes the client has personal assets in addition to Social Security. If the client retires sometime between the ages of 62 and 70, should he apply for Social Security immediately and leave the personal assets invested, or should he draw from the personal assets first and wait to apply for Social Security in order to build delayed credits? A year-by-year run shows how much of each year's spending need is met by personal assets vs. Social Security. The objective is to determine which strategy (early or later filing) requires the least amount to be drawn from personal assets to meet the same spending need.
  • Future Benefits Review Led to New Client

    "I have enjoyed the Social Security program and calculators very much. Although I am still learning and educating myself on the many rules, I attribute a recent close of a new prospective client to reviewing their future benefits of their PIA from your calculator to the close. Thank you."

    —Walt Powrozek, Novi, MI
    Reinvest Breakeven Calculator—This calculator is designed for high-income clients who will not need Social Security to meet living expenses. If their intent is to invest their monthly benefits, should they apply early and get those benefits invested as soon as possible, or should they delay their application in order to receive a higher benefit? At varying return assumptions, the calculator shows the year-by-year results and cumulative totals so you can see the crossover point, or breakeven age, at which delaying benefits produces the higher total amount.
  • Spousal Planning Calculator—One of the most challenging aspects of Social Security planning is coordinating spousal benefits, especially when the spouses are of different ages. This calculator allows you to enter each spouse's age and respective benefit amount, along with the projected COLA, and see a year-by-year run of the couple's combined benefits and the cumulative total. This calculator allow you tocompare several scenarios side-by-side in a client-friendly report (wife applies at 62, husband applies at 66; wife applies at 66, husband applies at 70; and so on), so you can see what their combined benefit would be in 2019, 2020, 2021 etc.
  • WEP/GPO Planning Calculator—Use this calculator when one or both spouses worked in a job that was not covered by Social Security and will be receiving a pension from an alternate retirement plan (commonly teachers and government workers in certain states).

  • Survivor: Surviving spouses face a complicated set of claiming rules. The amount of a survivor benefit depends on both when the survivor takes her benefit and when the decedent took his benefits. It’s also possible to strategically coordinate survivor benefits with retirement income benefits. The Survivor Planning Calculator helps widows and widowers determine when to claim their survivor benefits.

  • Divorce: Divorced clients face a unique set of rules when claiming Social Security. Use the Divorce Planning Calculator to devise scenarios for your divorced clients. The calculator will show lifetime benefits for your divorced client and produce suggested scenarios.

• PRIVATE WEBSITE ACCESS
  SavvySocialSecurity.com website gives you instant access to all the program’s materials, plus easy access to asking questions.

  WEBINAR AND NEWSLETTERS
  Special, occasional webinars and bi-weekly newsletter help you stay abreast of new developments in Social Security and stay informed about tricky case filing issues.

Get Horsesmouth’s Social Security Mastery Program

We’re offering this special program to advisors who don’t want to hold workshops and seminars for clients and prospects but still want all the great expertise and support of the Savvy Social Security Program for Boomers.

(NOTE: If you want a complete workshop/seminar program to meet new prospects, learn more about the Savvy Social Security Planning Program for Boomers.)

Your fee will be charged directly to your credit card. Our online process is secure and you can safely provide your credit card information in the form below.

30-Day Risk-Free GUARANTEE for Horsesmouth’s Social Security Mastery Program.

We think this is so important to your community, your clients and your success, that I’m trying to make it as easy for you as possible to gain this importance expertise. So here’s my promise:

Order Horsesmouth’s Social Security Mastery Program—The Financial Advisor’s Guide to Savvy Social Security Planning for Boomers; 135 Social Security Questions Answered: What Savvy Advisors Need to Know; and seven proprietary calculators—today.

Make advising your clients on Social Security a key client-service offering for your pre-retirees and their friends and families. The coming retirement wave presents a unique and sustained opportunity for you to extend and enhance your reputation.

By helping people better understand all their retirement benefit options under Social Security, you’ll be helping them achieve a small “peace of mind” as they move along to the rest of the retirement income planning puzzle. That’s why I urge you to obtain Horsesmouth’s Social Security Mastery Program and make this guarantee:

Review all the program’s materials for 30 days. If you feel that your clients and prospects will not be extremely grateful to have a competent, confident and knowledgeable advisor guide them through the ins and outs of Social Security, we’ll completely refund 100% of your purchase price—guaranteed, no questions asked. Just call and tell us you’re returning all the materials to Horsesmouth at: Horsesmouth, 21 W. 38th St., 14th Fl., New York, NY 100018. Phone: 212-343-8760, Ext. 1.

Putting Social Security Mastery into your client education mix is the way to go. Go ahead now and make your order.

FOR INSTANT SERVICE, Call Toll Free: 1-888-336-6884, ext 1 (Outside U.S.): 1-212-343-8760