Tag Archives: Spousal Benefit

Full Retirement Benefits and Delayed Social Security Benefits Explained … Widow and Spouse Benefit VERY IMPORTANT Note

In our continued discovery and education of the Social Security system and benefits from our Private Client Roundtable earlier this year, we are happy to bring you information about Full Retirement Benefits. Widow and Spousal only benefit receivers should take careful notes.

Full and Delayed Social Security Benefits Explained

 AUDIO DIRECT LINK IF PLAYER NOT SHOWING

  • Delayed retirement credits occur by delaying benefits past full retirement benefits (has increased recently)
  • 8% per year increase for delaying YOUR benefits until age 70
  • Spouses or Widow benefits DO NOT receive delayed retirement credits (Do not delay past full retirement age if you fall in this category)

Here are full retirement ages as of 2014, from Social Security Administration: (Caution, these may change in the future)

Social Full Retirment Beneifts Age as of 2014

Have A Great Day!

John A. Kvale CFA, CFP

http://www.jkfinancialinc.com
http://www.street-cents.com
8222 Douglas Ave # 590
Dallas, TX 75225

 

Social Security Benefit for Spouse, Living and Deceased (Audio)

Today as a fundamental building ground, we discuss the basic spousal benefits from a married and married widower spouses of the primary income earner.  Included is audio from Mr. Tom Clark on the subject.  This audio will be posted here on our Social Security page too.

Spousal BenefitsSpouse

A spouse married to a higher income earner gets one half the benefit of their spouse, or their own full benefit, which ever is more. This benefit is dependent on  the  age of the beneficiary.

Widower Benefit

A widow gets the full benefit of the spouse upon death, OR his or her own, whichever is more. A common mistake is that the living spouse gets both, however this is not correct, only the highest full benefit of either party possible. This benefit is for spouses that are married at the time of death, we will discuss former divorcee benefits, in a future post.

Click here if the Audio Player is not showing

Have a Great Day!

John A. Kvale CFA, CFP

http://www.jkfinancialinc.com
http://www.street-cents.com
8222 Douglas Ave # 590
Dallas, TX 75225

 

Social Security Secret Technique “Let it Ride” … Don’t Leave FREE MONEY on the Table … The First with Many More to come … (Audio)

In late spring 2014 we had the privilege and honor to host an event with Tom Clark, a former 22 year veteran of the Social Security Administration. We recorded the event with the idea of sprinkling short pointed ideas here in our posts.

Today We Begin

This is the first post of many as Mr. Clark’s event was literally like sipping from a fire hose. We are breaking his speech into many specific pointed ideas to keep it simple. In being thorough, we expect tons of posts in the coming months, so buckle up, here we go … we hope you enjoy:

Tom Clark Pic

Audio Intro Of Tom Clark

Let it Ride – Filing On your Spouses Benefit

As mentioned in our Newsletter, this is a very unique technique. Do not be afraid to listen to this multiple times. Please listen carefully, this is a way to MAXIMIZE your family income social security benefits, without stunting the higher income spousal Social Security Benefit in the future.

Near the end … “Don’t Leave Free Money On the Table”

 

Have a Great Day!

John A. Kvale CFA, CFP

http://www.jkfinancialinc.com
http://www.street-cents.com
8222 Douglas Ave # 590
Dallas, TX 75225