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    November 23, 2019
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RETIREMENT PLANNING With Rob Ryan WEALTH MANAGEMENT CgCo MATTERS OF SURVIVAL Married couples should be aware that, if one of them should die before collecting Social Security retirement benefits, they may have options to maximize Social Security by coordinating the timing of their claims for their own retirement and a survivor benefit. However, the Social Security Administration is not likely to point out this benefit strategy. If necessary, couples should rely on their Financial Consultant to make the necessary preparations. Otherwise, as a recent report by the Social Security Administration's Ofice of the Inspector General revealed, 82 percent of surviving spouses who are taking benefits could have received a higher monthly benefit by restricting their application to survivor benefits only and delaying their retirement benefits up to age 70. At Ryan Wealth Management our passion is helping you achieve greater confidence and financial freedom so you can focus on what really matters in your life. We provide personalized financial solutions that take into account all aspects of your financial life and offer guidance, clarity of thought, and expertise to help you gain confidence in a more secure financial future. Most of our clients ask for our Social Security Specialist to help them with retirement planning. Call us today, so we can help Surviving spouses should consider whether they can maximize benefits by taking the survivor benefit first and later switching to their own benefit, or by taking their own benefit first and later switching to the survivor benefit To contact Rob Ryan (530) 671-2100 retire@ryanwealth.com www.ryanwealth.com Go to my website www.ryanwealth.com and request a Second Opinion analysis report! And help answer the question: "Will I outlive my money?" Rob Ryan is a Registered Representative ofering securities and advisory services throagh Reyal Alliance Associates, In, a registered broker-dauler and registered investment advisor, Member FINRA, SIPC Additional advisory services, insurance and Estate Planning offered through Ryan Wealth Management are independent of Reyal Alliance. Principal of Ryan Wealth Management, Inc. located at 463 Cenfary Park Drive ie Yuba City CA Insurance Lk. rocos959 RETIREMENT PLANNING With Rob Ryan WEALTH MANAGEMENT CgCo MATTERS OF SURVIVAL Married couples should be aware that, if one of them should die before collecting Social Security retirement benefits, they may have options to maximize Social Security by coordinating the timing of their claims for their own retirement and a survivor benefit. However, the Social Security Administration is not likely to point out this benefit strategy. If necessary, couples should rely on their Financial Consultant to make the necessary preparations. Otherwise, as a recent report by the Social Security Administration's Ofice of the Inspector General revealed, 82 percent of surviving spouses who are taking benefits could have received a higher monthly benefit by restricting their application to survivor benefits only and delaying their retirement benefits up to age 70. At Ryan Wealth Management our passion is helping you achieve greater confidence and financial freedom so you can focus on what really matters in your life. We provide personalized financial solutions that take into account all aspects of your financial life and offer guidance, clarity of thought, and expertise to help you gain confidence in a more secure financial future. Most of our clients ask for our Social Security Specialist to help them with retirement planning. Call us today, so we can help Surviving spouses should consider whether they can maximize benefits by taking the survivor benefit first and later switching to their own benefit, or by taking their own benefit first and later switching to the survivor benefit To contact Rob Ryan (530) 671-2100 retire@ryanwealth.com www.ryanwealth.com Go to my website www.ryanwealth.com and request a Second Opinion analysis report! And help answer the question: "Will I outlive my money?" Rob Ryan is a Registered Representative ofering securities and advisory services throagh Reyal Alliance Associates, In, a registered broker-dauler and registered investment advisor, Member FINRA, SIPC Additional advisory services, insurance and Estate Planning offered through Ryan Wealth Management are independent of Reyal Alliance. Principal of Ryan Wealth Management, Inc. located at 463 Cenfary Park Drive ie Yuba City CA Insurance Lk. rocos959