OPEN TO ALL TO ATTEND: It is critical to understand how the Social Security program works in order to get the most you can from your hard-earned benefit. We will discuss:

• How your birth year and age at filing affects the dollar amount you will receive.
• If your Social Security benefits will be taxed, and how you can minimize them.
• What are IRMAA surcharges, and how you can potentially avoid having them deducted
  from your Social Security benefit.
• If married, how Spousal and Survivor benefits are determined and how they work.
• If divorced, what are the criteria for receiving Ex-Spousal and Ex-Survivor benefits and how
  they can potentially be utilized in relation to your own benefit.
• Strategies for Social Security as a key component of an overall Retirement Income Plan.
• What can you do if you have already activated your benefit, and now realize that you may
  have made a mistake.
• Outlook for the Social Security program, and potential changes that may be coming soon.

Presented by: Cyndi Stewart, ChFC