Discover the hidden secrets to maximizing your Social Security benefits in this eye-opening episode featuring Brian Peluso, a partner at HBK Provenance Advisors and Social Security expert with over 15 years of experience navigating this complex system.Did you know your Social Security benefits could amount to over $1 million during your retirement? Despite widespread fears that the system is disappearing, Brian debunks this myth with historical context and practical insights about how the program will adapt rather than collapse. You'll learn why making uninformed claiming decisions could cost you hundreds of thousands of dollars in lifetime benefits.Brian breaks down the critical components of Social Security planning that most advisors get wrong, including how your benefits are calculated using your highest 35 years of earnings, the significant impact of claiming age on your monthly check, and the special considerations for spousal, survivor, and divorced spouse benefits. Particularly revealing is his discussion of survivor benefits, where an astonishing 80% of eligible recipients receive less than they deserve due to misinformation.Beyond the basics, you'll discover strategic approaches to coordinate Social Security with your broader retirement plan, including how working while collecting affects your benefits, the taxation implications that could surprise you, and why generic break-even calculations fail to capture the full picture of optimal claiming strategies. These insights are essential whether you're approaching retirement or planning decades ahead.Ready to maximize what could be one of your most valuable retirement assets? Visit hbkprovident.com to schedule a personalized consultation and ensure you're making the most of your Social Security benefits.

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