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60039973 Unlocking Social Security

60039973 Unlocking Social Security

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Published by brandon5683

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Published by: brandon5683 on Jul 16, 2011
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07/16/2011

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[FINRA Professional¶s Name][FINRA Professional¶s Title][FINRA Member Firm]
 APPSS0211-ST
I HAVE A QUESTION
The Keys to Unlocking Social Security andMaking Your Benefits Work for You
 Annuities are issued by Transamerica Life Insurance Company in Cedar Rapids, Iowa and Transamerica Financial Life Insurance Company in Harrison, NewYork and Transamerica Funds are mutual funds advised by Transamerica Asset Management, Inc. Variable annuities and mutual funds are distributed byTransamerica Capital, Inc. References to Transamerica pertain either individually or collectively to these Transamerica companies. Transamerica Financial LifeInsurance Company is licensed in NewYork.
Annuities may lose value and are not insured by the FDIC or any federal government agency. They are not a deposit of or guaranteed by any bank,bank affiliate, or credit union.
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IMPORTANT DISCLOSURE
This material is provided for educational purposes only and does not constitute investment advice. Theinformation contained herein is based on current tax laws, which may change in the future. Transamericacannot be held responsible for any direct or incidental loss resulting from applying any of the informationprovided or from any other source mentioned. The information provided does not constitute any legal, tax or accounting advice. Please consult with a qualified professional for this type of advice.
 
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HOW IT STARTED
Social Security Administration, ³A Brief History of Social Security,´ August 2000.4
WHY IT¶S IMPORTANT
Social Security is stilla major source of incometo those 65 or older.
Social Security Administration, "Fast Facts & Figures About Social Security, 2010"
 
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I HAVE A QUESTION
We¶ll address common concerns about:
‡Filing for Social Security‡Utilizing spousal benefits‡Taxes and Medicare
 You¶ll learn:
‡How to determine your Full Retirement Age‡Simple strategies to maximize your benefits‡To better understand the nuances of Social Security
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WHEN SHOULD I FILE FOR BENEFITS?
Social Security Administration, ³Retirement Planner í Retirement Benefits by Year of Birth, 2011," SSA.gov
AGE TO RECEIVE 100% OF MONTHLY BENEFIT
In order to understand when you are eligible to begin benefits, you need toknow your 
Full Retirement Age.
Your Full Retirement Age is based on the year you were born*.The younger you are, the older you¶ll have to be to reach it.
*If born Jan. 1, the SSA figures your benefit as if you were born the previous year.

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