Unlocking Social Security Autonomy at Every Life Stage

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For most Americans, Social Security offers more than just a monthly benefit; it forms the backbone of retirement security and is often the closest thing to a pension many will have. As life expectancy increases, many retirees, particularly women, face the challenge of stretching limited resources over longer lives. This makes Social Security not just a supplement, but a vital lifeline. 

However, few people fully understand how to maximize their benefits. This session goes beyond basic benefit calculations to explore the vital role Social Security can play in supporting financial independence. Advisors will gain practical strategies and insights they can customize for their clients, helping to build trust and reinforce their position as essential resources in overall retirement income planning.

​Learning Objectives

Upon successful completion of this learning activity, you will confidently be able to:​

• Identify eligibility rules and benefit structures for Social Security retirement, spousal, divorced spouse, and survivor benefits.
• Apply life-stage-specific claiming strategies to help clients maximize lifetime Social Security income and promote financial independence, particularly for women and clients with longer life expectancies.
• Develop strategic client conversations that simplify Social Security complexities into understandable, actionable strategies that boost advisor confidence and increase client engagement.

Presenter

Heather Schreiber, RICP^®, NSSA^®, IRMAA-CP™

CFP^® CE Credit

This content is eligible for one hour of CFP^® continuing education (CE) credit.

If you hold the CFP^® mark and would like to receive CFP Board CE credit for this content, please ensure your CFP^® ID number is entered here.

The College’s Professional Recertification Program (PRP)

This content is eligible for one hour of PRP continuing education credit.

To begin, click on the button below. As you move through the content, make sure to mark each page complete by clicking on the appropriate button, and then click Next Lesson at the bottom of each page. Once you complete the entire activity, the progress bar will show 100%.

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