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    July 17, 2020
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RETIREMENT PLANNING With Rob Ryan ZRYAN WEALTH MANAGEMENT Ch Ca CAN YOU WORK AND COLLECT SOCIAL SECURITY? While you can you work and collect Social Security simultaneously if you haven't reached full retirement age, you'll have to take the Social Security earnings test to determine the withholding rate on your benefits. First, determine what your full Social Security retirement age is. If you will reach your full retirement age on Jan. 1, 2020 or later, you will have Sl of your Social Security benefits withheld for every $2 in earned income in excess of $17,640 per year. If you reach your full Social Security retirement age during 2019, the Social Security earnings test does not apply until you have earned more than $46,920. Then, the benefit reduction rate is $1 withheld for every $3 in excess earnings. Social Security only considers wages that are earned if you work for an employer. If you're self-employed, then Social Security bases the calculation on net earnings, not gross earnings. Social Security doesn't penalize you for dividend income, interest, pensions, government payments, investment earnings, or capital gains. At Ryan Wealth Management, we understand that managing investments and retirement income is more complicated and time- consuming than ever before. Please call us to schedule a consultation with out Social Security expert. If you've already reached full retirement age or you will reach full retirement age during the current calendar month, the Social Security earnings test does not apply to you. 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 Í outlive my money?" Rob Ryan isa Reglatered Representative offering securities and advisory services threugh Reyal Alliance Associates, Inc. a registered broker dealer and registered investment advisor, Member FINRA. SIPC. Additional advisory services, insurancer and Estate Planning offered through Ryan Wealth Management are independent of Royal Alliance. Principal of Ryan Wealth Management, Inc. located at 463 Centary Park Drive ie Yubu City. CA Insurance L. rOCOs959 RETIREMENT PLANNING With Rob Ryan ZRYAN WEALTH MANAGEMENT Ch Ca CAN YOU WORK AND COLLECT SOCIAL SECURITY? While you can you work and collect Social Security simultaneously if you haven't reached full retirement age, you'll have to take the Social Security earnings test to determine the withholding rate on your benefits. First, determine what your full Social Security retirement age is. If you will reach your full retirement age on Jan. 1, 2020 or later, you will have Sl of your Social Security benefits withheld for every $2 in earned income in excess of $17,640 per year. If you reach your full Social Security retirement age during 2019, the Social Security earnings test does not apply until you have earned more than $46,920. Then, the benefit reduction rate is $1 withheld for every $3 in excess earnings. Social Security only considers wages that are earned if you work for an employer. If you're self-employed, then Social Security bases the calculation on net earnings, not gross earnings. Social Security doesn't penalize you for dividend income, interest, pensions, government payments, investment earnings, or capital gains. At Ryan Wealth Management, we understand that managing investments and retirement income is more complicated and time- consuming than ever before. Please call us to schedule a consultation with out Social Security expert. If you've already reached full retirement age or you will reach full retirement age during the current calendar month, the Social Security earnings test does not apply to you. 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 Í outlive my money?" Rob Ryan isa Reglatered Representative offering securities and advisory services threugh Reyal Alliance Associates, Inc. a registered broker dealer and registered investment advisor, Member FINRA. SIPC. Additional advisory services, insurancer and Estate Planning offered through Ryan Wealth Management are independent of Royal Alliance. Principal of Ryan Wealth Management, Inc. located at 463 Centary Park Drive ie Yubu City. CA Insurance L. rOCOs959