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Situational Social Security (SSS)
Saturday, October 3, 2020

Do you know that all of your clients are unique? Every one of your clients is in a different Social Security situation. Advisors across the country must understand the questions and issues that relate to every unique client. In the National Social Security Advisor certificate program we focus on Situational Social Security. Your clients may be single, married, divorced, surviving spouses, children, public employees or may be eligible to file a Restricted Application. Do you know the questions and issues relating every one of your unique clients?

In this series, we will discuss the concept of Situational Social Security and prepare you to meet every one of your unique clients guiding them through this difficult decision. We will also share our "rugged" three legged stools for single folks, married couples, divorced couples and surviving spouses. Wouldn't it be nice to meet with your clients with the CONFIDENCE to discuss Social Security with all of YOUR clients. Wouldn't it be nice to have the KNOWLEDGE and EDUCATION to help your clients proactively and not waiting for your clients to begin the discussion?

In the next installment of this series, we will discuss single folks and the requirements to be eligible for a Social Security Retirement benefit.

But, at this time, I want to define a couple key terms, 1) Full Retirement Age and 2) Primary Insurance Amount.

Full Retirement Age (FRA) - the age you receive 100% of your Social Security Retirement benefit. See the table below. Clients turning age 62 in 2020 were born in 1958 and have a FRA of 66, 8 months.

Year of birth Full Retirement Age
  • 1943 - 1954 66
  • 1955 66 and 2 months
  • 1956 66 and 4 months (this is my FRA as I was born in 1956!)
  • 1957 66 and 6 months
  • 1958 66 and 8 months
  • 1959 66 and 10 months
  • 1960 67
Benefits are reduced for age if you client is receiving a benefit prior to reaching FRA and are increased if begun after reaching FRA.

Primary Insurance Amount (PIA) - The amount of benefit that you are eligible to receive at your Full Retirement Age. Examples:
  • PIA of $2,000 means that you will receive $2,000 at your FRA
  • PIA of $1,500 means that you will receive $1,500 at your FRA
  • PIA of $750 means that you will receive $750 at your FRA.
For additional information about the National Social Security Advisor Certificate, please visit or contact Marc Kiner at 513.218.8505.

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Blog Categories

  • General
    • 10/13/2020 - Situational Social Security –
    • 10/05/2020 - Social Security Retirement Ben
    • 10/03/2020 - Situational Social Security (S
    • 07/22/2020 - The Shrinking Social Security
    • 07/14/2020 - Advisor Virtual Resilience Ser
    • 06/22/2020 - NSSA, the nation's only accred
    • 06/10/2020 - National Social Security Advis
    • 04/22/2020 - National Social Security Advis
    • 10/23/2019 - Premier Social Security Consul
    • 09/11/2019 - Jim Blair helps to shed light
    • 07/15/2019 - Premier Social Security Consul
    • 09/20/2018 - NAIFA Conference Highlights th
    • 10/14/2016 - Baby Boomer Market
    • 11/28/2015 - Social Strategies
    • 11/28/2015 - Budget Bill Changes
    • 11/25/2015 - New Social Security Claiming S
    • 08/26/2015 - Expert Discussion with NSSA An
    • 08/26/2015 - NSSA Exhibits Missouri Society
    • 08/26/2015 - Financially Stable Retirement
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I thought the information was outstanding!  I was anxious to get started and improve my foundation of knowledge surrounding social security as it has become a significant portion of our planning.
David G, Florida
Thanks guys, it is VERY much appreciated to have you take time out of your day to answer a complicated question from time to time that comes across our desks.
Bradley W, California
I finished the on demand class today . .  I really enjoyed the class and I learned a lot. 
Adam H, Illinois
This course has been very helpful to clients already, thanks again, Sam
Sam D, Connecticut
I hope all is well my friend. We filled up another 100 people last month and taught them all about social security, this is truly something special we have created to help out thousands of San Diegans and counting.
Brad W, California
Thanks again for the training you provided it has been invaluable for my practice.
Stacey A, TN
NSSA has directly increased my credibility, my business, and overall client experience and satisfaction.
Kimberly Y, Ohio
Social Security is complex program where the choice you make can mean thousands of dollars of extra earnings in retirement. Knowing these choices is important to my clients and NSSA [Certificate program] has increased my ability to guide them in the right direction.
James B
Thanks for providing such valuable information and updates on a periodic basis. It really helps with conversations that I have with my clients.  Excellent support.
Rayyan A
Thanks for the SS training last week! Learned a lot and looking forward to further focus on this important part of the financial planning matrix!
Leslie C, Kentucky
You guys rock!  I am thoroughly enjoying your SS online course!
David T, Florida
You guys helped close a big case with that answer really appreciate it. Thank you for the great work you both do.
Patrick C, California
I appreciate that you are always there to support me. It means a lot! 
Danielle A, Kansas
I am enjoying the course and love the conversation between you guys on the videos, especially the trials and tribulations of party animal "Harold."
Chris K, Connecticut
I am very pleased that I came to the education . .  What I learned is what I came for and to know that the video will be available for backup is great.
Bob Z
Thanks again for the great training. I started using the information I learned with my clients immediately. It has really added to my credibility!
Rich M, Texas
Just want to say it's really great having you two to lean on when I'm uncertain.  You've trained me well but sometimes question myself.  Thanks for doing what you do!
Barbara S, Colorado
I really appreciate your examples, they make it come alive more so than articles describing strategies.
Thank you and Jim for the incredible work and effort put into these webinars, videos etc, let alone this program. Really a blessing to have been directed to you. Karl W was absolutely right: you guys are class acts.
Alan K
Over the last 12 months since earning the NSSA Certificate I have brought in 40 additional clients and $400,000 in additional revenues.
David S, Washington State
I attended your class and passed the NSSA assessment 2 1/2 years ago. The NSSA Certificate been a career boost and my clientele is reflecting that.
Kimberly H, Ohio
It was so nice talking with you yesterday.  I was super impressed how quickly you called me!
Susan C, Florida



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Premier Social Security Consulting, LLC
7361 East Kemper Road Unit B
Cincinnati, Ohio 45249

513-218-8505 (Cell)
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