Optimizing Social Security Claims In Retirement Income Planning

Manish Malhotra

10/17/14 4 PM EST

Live CPA IWI

Program Id: 879129329

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Social Security claiming strategy is a cornerstone of retirement income planning.

The advantage of deferring Social Security retirement benefits beyond full retirement age can be significant when a client is expected to live beyond his or her actuarial expected lifespan. But is it advantageous to defer Social Security benefits even if a client dies before his or her actuarial life expectancy? We will explore the various options clients face in choosing a Social Security claim strategy and optimizing it to fit into a retirement investment portfolio, including:

• Who should claim social Security – you or spouse – based on your retirement planning horizon?
• What claim strategy gives you maximum life time benefits based on the length of your plan and life expectancy?
• When each spouse should claim his or her own benefit?
• Which spouse should file a “restricted” application for only a spousal benefit?
• How does the claim strategy fit in with your overall retirement income plan and investment strategy?

Speaker Manish Malhotra, President & CEO of Income Discovery is a software engineer and MBA. Before founding Income Discovery in 2010, Malhotra was senior vice president at Citigroup Global Wealth Management (Smith Barney and Private Bank), leading the IT strategy and architecture.

This session is eligible for IMCA^® CE credit.

More than 50 hours of CFP^® CE credit and more than 100 hours of Investments & Wealth Institute^® credit on replays available 24/7 to paying members ($120 annually) of Advisors4Advisors.com. CPAs are eligible to receive CPE for attending live webinars only. To learn how to receive continuing professional education credit viewing webinar replays, please see our detailed instructions.

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