You’ve worked hard, saved what you could, and done your best to prepare for retirement. But like many people approaching this next chapter, you may still wonder:
Have I saved enough?
Will I run out of money?
Will my spouse have enough if I go first?
Social Security plays a bigger role in answering those questions than many people realize. Yet, many file without fully understanding how that decision affects their income, their taxes, or their spouse’s future.
TESTIMONIALS
The testimonial(s) presented herein are provided by clients of Income Associates. These clients have not been compensated, directly or indirectly, for their testimonial or endorsement of Income Associates or its services. The experiences and opinions expressed in the testimonials are those of the individual clients and may not be representative of the experiences of all clients. There is no guarantee that all clients will have similar experiences or results. Testimonials are not indicative of future performance or success. Past performance is not a guarantee of future results. Investing involves risk, including the potential loss of principal.
This webinar won't try to convince you to wait—or to rush.
It simply offers clarity and context so you can make the Social Security filing decisions that are right for you.
What you'll learn.
In just over an hour, you’ll make sense of a system with over 500 filing options.
Get the Timing Right
- What changes when you file at 62, 67, and 70
- What cost-of-living adjustments (COLAs) do to your benefit
- How waiting increases your benefit by at least 77%
- Why this isn’t just about when—but how you file
Source: Adult Financial Education Council's presentation, Social Security Optimization. ChatGPT 5.0
Protect Your Spouse
- How spousal and survivor benefits work
- What divorced spouses are entitled to (even if they didn't work)
- How your filing age can affect what your spouse receives for life
- What remarriage means for survivor benefit eligibility
Avoid Irreversible Mistakes
- How filing early could permanently reduce benefits
- Why many people file emotionally, not strategically
- What happens if you work and file at the same time
- What changed under the Bi-Partisan Budget Act
- How and when you can undo a decision—and when it’s too late
- How 3,000+ rules can lead to choices you didn’t mean to make
Minimize Taxes
- How Social Security is taxed differently from other income
- What “provisional income” is—and how it impacts your tax bill
- How to coordinate benefits and assets to reduce taxes
- Why some retirees end up paying far more tax than necessary
- How the “no tax” rule in the Big Beautiful Bill could change how your benefits are taxed
Use Social Security as a Strategy
- How Social Security can act like a personal pension
- How smart decisions can reduce how much you need to save
- How to coordinate with IRAs, pensions, and other income
- Why timing may impact your financial plan more than anything
One decision = major impact.
This webinar helps you get it right.
Meet your instructor.
Kurt Jamiel is a fiduciary advisor with nearly 30 years of experience helping careful savers turn their nest eggs into reliable income. With a background in U.S. Army Military Intelligence and a law degree, Kurt brings disciplined analysis and clear strategy to one of retirement’s greatest opportunities: optimizing Social Security.
Frustrated by the industry’s one-size-fits-all projections, Kurt founded Jamiel Financial Advisors, LLC in 2003, which later became Income Associates and was registered as an independent RIA firm in 2024. By combining advanced Social Security optimization with stress-tested income strategies, he helps families protect spouses, minimize taxes, and secure a reliable paycheck for life—without relying on the stock market.
“Social Security isn’t just a benefit. It’s a strategy. And when it’s used well, it can transform the entire foundation of your retirement plan.”
“Co-Founder & President, Corp. for Social Security Claiming Strategies”