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Help Clients Make the Most of Their Social Security Benefits

Social Security: Unlock Its Potential

Social Security was originally designed to supplement employer-sponsored plans and other savings, not to be retirees’ sole source of income. Yet Social Security is the major source of income for most of the elderly, with ninety percent of individuals age 65 and older receiving benefits.1 Knowing the factors that can negatively impact Social Security benefits can help clients avoid being caught by surprise, when it’s too late to make changes.

  • How confusion about Social Security can lead clients to claim benefits early, which can result in significantly lower benefits
  • Why certain income options, tax treatment of benefits, or continuing to work may also lower benefits
  • How to help clients maximize their Social Security benefits and integrate them into their overall portfolio 

Create a Snapshot of the Future

This worksheet allows clients to take inventory of their assets, and project income versus expenses in retirement to help guide their decisions about taking Social Security income.

Next Steps

  1. Identify clients in your book of business who are age 50-60
  2. Contact your Hartford Funds Advisor Consultant about hosting a client education event
  3. Want to learn how to apply these insights to your practice? Send us your email.

1Social Security Basic Facts, ssa.gov, 10/13/15