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February 22, 2019
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Social Security: Indispensable Information for Financial Professionals (Recommended)

Course Description

Your clients may be aware of the effect of an educated, well-timed Social Security income election decision.  However, that decision is just the foundation of a well-designed, optimized retirement income plan.  Social Security: Bridging for Retirement Planning will provide you with a detailed understanding of how Social Security income taxation plays a large part in the final net after-tax funds available to retirees as they reach age 70 1/2. 

You will learn about the 'stealth tax” nature of Social Security income, how it is taxed, and the interplay of Social Security with other income streams.  Goal-setting strategies of a diversified retirement plan and withdrawal sequences from retirement accounts, including IRA required minimum distributions will also be covered.  Understanding these best practices will boost your clients' retirement income and increase the longevity of their portfolios.

The course also includes a brief review of the Social Security rule changes made in the Bipartisan Budget Act of 2015.  


Martha Shedden

Martha is passionate and enthusiastic about educating financial professionals and retirees on the details of Social Security. Over 10,000 Baby Boomers are retiring every day and they need accurate, detailed information to make the very best individual Social Security income election decision. Social Security planning is also the foundation and first step to creating a financially secure retirement plan.

In addition to certification as a Chartered Retirement Planning Counselor (CRPC), through the College of Financial Planning, Martha is also a National Social Security Advisor (NSSA).

Course Specifics

May 23, 2018
Social Security: Indispensable Information for Financial Professionals (Recommended)
Familiarity with Social Security rules, terms and claiming strategies

Compliance Information

IRS Provider #: OMYXB
IRS Course ID: OMYXB-T-01282-18-O
IRS Federal Tax Law Credits: 2
CTEC Provider #: 2071
CTEC Course ID: 2071-CE-1228
CTEC Federal Tax Law Credits: 2
Qualifies for CA Fraud: No

Learning Objectives

Upon successful completion of this course, participants will be able to:

  • Select the reason(s) why Social Security income planning is the 'foundation” of a retirement financial plan.
  • Differentiate between the funds in a retirement planning 'stool” versus a retirement planning 'pyramid”.
  • Recognize how inclusion of Social Security taxation and income planning in a comprehensive retirement plan can increase the longevity of portfolios.
  • Identify client information needed to evaluate Social Security and retirement financial information to optimize net after-tax income for retirees.
  • Recall how the timing of claiming Social Security benefits and the sequence of retirement account and other asset withdrawals can impact retirement finances.
  • Determine for given retirement planning case studies, the impact that claiming Social Security at certain ages can have on total taxable income and taxation of benefits. 
  • Recognize the difference between optimization and maximization of Social Security benefits, identifying the demographics where optimization is key.

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