Maximizing Social Security Benefits

David Giertz is one of the leading financial advisors in the country. He has over thirty years of experience in the financial service industry. He is an accomplished, visionary, and inspirational leader. He has a proven track record of growing revenues by billions in the companies he has worked with. He has also worked with many community organizations.

Mr. David L. Giertz is a fifty three year old who graduated with a Bachelor of Science Degree from the University of Millikin. Additionally, Dave is a certified business coach with WABC and an industry arbiter with FINRA. Between 2004 to 2009, David served as the Vice President-NF Sales at the Bank Channel. On April 3, 2013, Mr. Giertz joined Nationwide Life Insurance Company as Senior Vice President-Nationwide Financial Distribution and Sales.

Myths about SS

Misconceptions abound about the right time to begin reaping retirement benefits. As a result, many retirees receive less income or unexpected taxes. SS is taxed when beneficiaries take it before retirement and continue to work. The government deducts one dollar for benefit payments for every two dollars that one earns above the annual limit. Additionally, beneficiaries do not understand factors that are used in determining amount of Social Security or that they are permanent. However, waiting or delaying to enjoy these benefits increases them by eight percent of the full retirement amount. Therefore, waiting for just a few more years beyond thee age of sixty two allows retirees to earn as much as they want.

Planning for Retirement

One way of coming up with a solid plan for a peaceful retirement is by taking into consideration other income opportunities. Investment is an option, but it has to be well calculated. For instance, future retirees should time their investments well. Another way is to compliment a savings account with a brokerage one. Doing this gives one access to currencies, bonds, and stokes where they can be sold for profit. Also, brokerage accounts are flexible because they do not limit investment and withdrawal amounts. A health saving account is also useful, but only when used for conditional medical expenses.