RETIREMENT PLANNING With Rob Ryan ZRYAN WEALTH MANAGEMENT Oatng Yor Core fo e STRATEGY FOR RETIRING COUPLES By carefully coordinating when each spouse intends to claim Social Security retirement benefits, couples can maximize the available benefit to each spouse. For example, while one spouse delays claiming past full retirement age to increase his benefit amount with delayed-retirement credits, the other spouse can file earlier than full retirement age to get some immediate income. In some cases, the higher earner will decide to take his benefits at 62 before full retirement age, in the belief that he will not live long enough to justify delaying claiming. However, by waiting until age 70 to claim, his benefit will grow by 76% from age 62 to 70, and that amount will transfer to his lower-earning spouse after he dies. At Ryan Wealth Management, we help pre-retirees and retirees who want comprehensive wealth management plans strategically designed to help sustain wealth, offer long-term cash flow, and provide financial Social Security planning with our Social Security expert. Everyone has different goals, so it's important to have a unique plan that works for you and your financial situation, both now and in the future. Please call us today if you would like professional assistance with retirement planning. Full retirement age rises from 66 to 67 for those born in 1960 or later. 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?" Reb Ryan is a Registered Representative offering securities and advisory services through Rayal Alliance Associates, In., a registered broker-dealer and registered invesitment advisor, Member FINRA, SIPC. Additional advisory services, insurance and Estale Planning ofered throngh Ryan Wealth Management are independent of Royal Alliance. Principal of Rya Wealth Management, Inc. located at 463 Century Park Drive ie Yuba City. CA Insurance Lk. rOCO5959 RETIREMENT PLANNING With Rob Ryan ZRYAN WEALTH MANAGEMENT Oatng Yor Core fo e STRATEGY FOR RETIRING COUPLES By carefully coordinating when each spouse intends to claim Social Security retirement benefits, couples can maximize the available benefit to each spouse. For example, while one spouse delays claiming past full retirement age to increase his benefit amount with delayed-retirement credits, the other spouse can file earlier than full retirement age to get some immediate income. In some cases, the higher earner will decide to take his benefits at 62 before full retirement age, in the belief that he will not live long enough to justify delaying claiming. However, by waiting until age 70 to claim, his benefit will grow by 76% from age 62 to 70, and that amount will transfer to his lower-earning spouse after he dies. At Ryan Wealth Management, we help pre-retirees and retirees who want comprehensive wealth management plans strategically designed to help sustain wealth, offer long-term cash flow, and provide financial Social Security planning with our Social Security expert. Everyone has different goals, so it's important to have a unique plan that works for you and your financial situation, both now and in the future. Please call us today if you would like professional assistance with retirement planning. Full retirement age rises from 66 to 67 for those born in 1960 or later. 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?" Reb Ryan is a Registered Representative offering securities and advisory services through Rayal Alliance Associates, In., a registered broker-dealer and registered invesitment advisor, Member FINRA, SIPC. Additional advisory services, insurance and Estale Planning ofered throngh Ryan Wealth Management are independent of Royal Alliance. Principal of Rya Wealth Management, Inc. located at 463 Century Park Drive ie Yuba City. CA Insurance Lk. rOCO5959