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Description
Social Security remains a foundational element of retirement income planning—but it’s also one of the most complex. Among its many components, spousal benefits are often overlooked or misunderstood, despite their potential to significantly enhance a client’s retirement strategy.
This presentation is designed to equip financial professionals with the knowledge to confidently guide clients—whether married, divorced, or widowed—through the rules, eligibility requirements, and strategic claiming opportunities related to spousal and survivor benefits.
By understanding these nuances, financial professionals can help clients make informed decisions that align with their broader retirement goals.
Learning Objectives
During this session, financial professionals will learn how to help clients:
• Identify the key rules and eligibility criteria for spousal and survivor benefits under Social Security.
• Evaluate claiming strategies for three distinct client scenarios:
• Married couples
• Divorced individuals eligible for spousal benefits
• Divorced individuals eligible for survivor benefits
• Incorporate Social Security spousal benefits into holistic retirement income plans to help clients optimize lifetime income and survivor protection.