Hosted By: Cetera Investors- Houston Team
Guest Speaker: Ryan N. Elder, AIF®, CLTC®, NSSA®

Learn the rules for…
• How your benefit will be affected by the age at which you apply
• How cost-of-living-adjustments, or COLAs, affect benefits
• How spousal benefits work
• How survivor benefits work
• How divorced-spouse benefits work
• How working affects benefits
• How benefits affect taxes
• What to do if you have other income from pensions or IRAs

At this workshop you will learn...
• 5 factors to consider when deciding to apply for benefits
• When it makes sense to delay benefits—and when it does not
• Why you should always check your earnings record for
accuracy
• How to estimate your benefits
• Innovative strategies for coordinating benefits with your spouse
• How to minimize taxes on Social Security benefits
• How to coordinate Social Security with your other forms of retirement income