The "Secret" to Social Security: Learn BEFORE you apply.
"Learn More About
How Social Security Works ...
BEFORE You Claim Your Benefits"
YES! THE GUIDE IS COMPLIMENTARY!
And will be delivered to your email.
What you'll learn in the
Social Security Retirement Benefits Planning Guide
#1
Benefits-based claiming method versus the traditional Date-based claiming method.
What's your focus - the date or the dollars?
#2
Spousal Benefits
The lower-earning spouse may be entitled to a spousal benefit.
Learn how coordinating spousal benefits may potentially help both spouses get more income.
#3
Survivor Benefits
Decisions you make now can influence the amount of survivor benefits later.
Because the death of one spouse means the loss of one benefit, it's important to consider the survivor's benefit BEFORE you claim.
Additional Topics
Claiming Social Security is not a One-Size-Fits-All Decision - your unique factors must be considered.
What and when is Full-Retirement Age?
How is your Social Security Retirement Benefit determined? Knowing how it's calculated may help you improve your benefit.
What is your Primary Insurance Amount (PIA), and when can you receive it?
How much will your benefit be reduced (penalized) if you claim before your Full-Retirement Age?
How much will your benefit be increased (bonus) if you claim after your Full-Retirement Age?
What are COLAs (cost-of-living adjustments), and how do COLAs affect your monthly benefit?
How long will you receive your Social Security Retirement Benefit?
How does Medicare Part B premium affect your monthly Social Security check?
Why delaying benefits may be beneficial for some individuals and couples.
How Social Security Retirement Benefits may be taxable.
How could tax planning apply to your Social Security?
How does working affect your Social Security Retirement Benefit?
How does the death of one spouse affect household income?
What if you're a divorced spouse or a divorced-spouse survivor?
How to get a complimentary Social Security Retirement Planning Analysis to help with your claiming decision.
YES! The Guide is complimentary!
And will be delivered to your email.
Bil Sadler, CFP®, CFA
Wealth Manager
LPL Financial
Phone: (850) 420-9854
1131 Mack Bayou Rd, Ste F
Santa Rosa Beach, FL 32459
About me
For over 20 years, I've been working with people facing important and critical retirement decisions ⎯ people who are in the Retirement Redzone, which is the five to ten years before and after your planned retirement date.
My typical client is concerned about three BIG things:
1) Preserving their money
2) Taxes
3) Social Security
Frequently Asked Questions
What's the Catch?
This is how I meet potential new clients!
I offer a complimentary Social Security Retirement Benefits Planning Guide as a way to build long-term relationships that could eventually turn into potential clients. (Would you rather get a cold telemarketing call? Yikes!)
Of course, not everyone who requests a guide becomes a client. That's okay! Maybe we'll connect later. Maybe you'll tell a friend. Who knows where it could lead?
Yes, if you request a Planning Guide, you'll be on my email list. But don't worry; you can always unsubscribe anytime you'd like by using the link at the bottom of any email I send you. (I hope you like my stuff good enough to stick around, though!)
Further, if you have other questions related to retirement other than Social Security, please feel free to call me. I'd be glad to help if I can.
Is there anything else?
Yes. When you read the Social Security Retirement Benefits Planning Guide, I offer you a complimentary, personalized Social Security Planning Analysis to help provide a clear picture of your options and to make your claiming decision easier. Of course, it's optional, but I've seen how it's helped others who had been wrestling with their claiming decision.
Are you going to try to sell me something?
Nope. Zero-pressure. I'm not pitching products, nor will you be pressured to do or buy anything. Period.
How I do business.
Coming from a tax and accounting background, I operate similarly to an accountant - I don't make sales calls - I practice my financial planning profession. I'm here to help. When you're ready, please call me. I look forward to talking with you!
YES! The Guide is complimentary!
And will be delivered to your email.
Bil Sadler, CFP®, CFA, Wealth Manager with LPL Financial
Securities and advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA/SIPC.
The LPL Financial Wealth Manager associated with this site may only discuss and/or transact securities business with residents of the following states: Florida, Georgia, Alabama, and Colorado.
Copyright © 2022-2023 William 'Bil' Sadler. All Rights Reserved
