Social Security: What you need to know before applying for benefits 

The decisions you make now can have a tremendous impact on the total amount of benefits you stand to receive over your lifetime.

Together we’ll discuss: 

• 5 factors to consider when deciding to apply for benefits
• When it makes sense to delay benefits-and when it does not 
• Innovative strategies for coordinating benefits with your spouse
• Why you should always check your earnings record for accuracy
• How to estimate your benefits 
• How to manage taxes on Social Security benefits
• How to coordinate Social Security with your other sources of retirement income

Presented by:

Krystian Cieplucha, CFA

Financial Consultant - Alliant Retirement and Investment Services

Learn More About Krystian

Krystian Cieplucha is a registered representative with, and securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker/dealer (member FINRA/SIPC).   Insurance products are offered through LPL or its licensed affiliates. Alliant Credit Union (ACU) and Alliant Retirement and Investment Services (ARIS) are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using ARIS, and may also be employees of ACU. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, ACU or ARIS.  Securities and insurance offered through LPL or its affiliates are:

CA Insurance Lic# 0H27312