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Social Security Income Planning: The Baby Boomer's Guide to Maximize Your Retirement Benefits Paperback – October 2, 2013


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Product Details

  • Paperback: 128 pages
  • Publisher: CreateSpace Independent Publishing Platform; 2 edition (October 2, 2013)
  • Language: English
  • ISBN-10: 149293304X
  • ISBN-13: 978-1492933045
  • Product Dimensions: 9 x 6 x 0.3 inches
  • Shipping Weight: 6.4 ounces (View shipping rates and policies)
  • Average Customer Review: 4.4 out of 5 stars  See all reviews (43 customer reviews)
  • Amazon Best Sellers Rank: #23,819 in Books (See Top 100 in Books)

More About the Author

Mark J. Orr has been a Certified Financial Planner and Registered Investment Advisor since 2000.

He has been in the financial services industry since 1997 and has given many financial seminars and sold 1,000's of copies of various financial e-books that he has written over the years. Mark has clients in many states and enjoys helping people make the most of their financial future - while ensuring they do not neglect their present.

He does NOT write about financial subjects the way most financial authors do or mainstream magazines. It's not the same old (and he would argue failed advice) of work hard, save more, live below your means, diversify and buy mutual funds.

Mark does not see himself as a writer, but as a practicing financial planner who helps real people truly change their financial lives with a safe, real game-plan for reaching their goals.

When he is not advising clients, he works out regularly in the gym and loves to travel to warm and sunny beaches.

Customer Reviews

Get this book and you wont be upset.
John P. Reay
Get this book BEFORE making any decisions on claiming your Social Security benefits!
LD
Very good information on a complex subject, glad I read it.
Don Gallagher

Most Helpful Customer Reviews

8 of 8 people found the following review helpful By LD on November 20, 2013
Format: Kindle Edition Verified Purchase
This book was very easy to understand so that my wife and I can
begin to seriously think about our Social Security filing options. The
many examples and filing comparisons made things perfectly clear.

Social Security will not be vital to our own retirement, but we sure
want to make certain that we get every dollar that we are entitled to.
We are now re-thinking the plans we had prior to reading this book
and will contact the author and have him run our numbers on his
special S.S. calculators as well as do some income tax planning (so
we don't pay more taxes than need be).

I especially liked the chapter about the 3 risk buckets and the 3 tax
buckets. Every adult in America should read that chapter even if they
are decades away from retirement.

Get this book BEFORE making any decisions on claiming your Social
Security benefits!
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8 of 9 people found the following review helpful By Amazon Customer on February 2, 2014
Format: Kindle Edition
This book is outstanding in its clear explanations, examples, and up to date information. But it leaves me wondering why the author, after writing such a great book, skipped paying a good editor a few hundred dollars to fix numerous simple errors (missing words, 'with' in place of 'will', 'is' in place of 'if'). I am a published author, and I've read hundreds of books. This is the worst example of non-existent editing in a published book I have ever seen. The several dozen errors leaves me with a bad impression of an otherwise excellent book. Hire an editor.
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4 of 4 people found the following review helpful By Gloria J. Diaz on October 24, 2013
Format: Kindle Edition Verified Purchase
If you're nearing retirement age, or have parents who are, check out this book by Mark J. Orr who is a Certified Financial Planner (CFP). This book explores the pros and cons of when to apply for Social Security benefits. Bear in mind this book deals with the ins and outs of Social Security. Orr briefly mentions IRAs, but as for exploring the full spectrum of stocks, bonds, mutual funds, IRAs, 401ks, you're not going to find it in this concise book. But Social Security is a daunting subject for many people, and Orr breaks down the details in a very readable way.

Numbers scare me, but even I could understand that if people delay taking their SS benefits, they stand to get more money over the long run. However, none of us knows how long we're going to live. If you come from a family of longevity, you could stand in good stead from waiting a bit longer to receive SS benefits. Orr states in the chapter "The Lifetime Value of Social Security" that very few money people (investment advisors, financial planners, stockbrokers, etc.) know about helping people to maximize their SS benefits.

Orr writes a brief history of the Social Security program, and how Roosevelt, who never intended the program to be the sole source of income for retirees (although for my parents it was), wanted something at least to help supplement the income of those in their later years. He mentions Ida May Fuller, one of the first persons to receive Social Security. She paid less than $25 into the system, and ended up with around $23,000, probably because she lived to be 100. She accomplished that in a day and time where life expectancy hovered around age 65. That's quite a return on investment, as the program was set up so that as long as you're alive, you get money coming in.
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3 of 3 people found the following review helpful By John J. Welker on January 29, 2014
Format: Kindle Edition Verified Purchase
I used the book before I went to my financial planner so I could better understand and implement my retirement strategy. There is more to applying for Social Security than meets the eye.
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3 of 3 people found the following review helpful By Matt Kelland on October 17, 2013
Format: Kindle Edition Verified Purchase
As an immigrant to the US, the Social Security system confuses me. This book was a real eye-opener at explaining how it works, and what I need to be aware of in order to plan for my retirement. Orr clearly explains all the issues relating to how and when you can elect to take your retirement benefits, and what factors affect how much you will receive. It's essential to make the right choices, or you could end up losing out on tens of thousands of dollars right when you need it most.

Orr sets out in detail the different strategies available. It's not exactly an easy read - after all, he's dealing with federal financial regulations, and as always, the devil is in the details. However, if you're smart enough to have figured out that you need to start thinking about your long-term finances, then you're smart enough to follow what he's saying. Or at least, if you decide to go and see a financial advisor after realizing just how complex this all is, you'll have some idea what they're talking about.

Perhaps the most important thing is to understand how long you will need to draw money for. You can often elect to draw more money at an earlier, but then your benefits drop off later. That's great at first, but it could land you in real hardship when you're much older. You need to assess your life expectancy and figure out realistically how long you will need to continue drawing money. If you're married, then it's even more complicated, since you have to consider your spouse's earnings as well. Orr goes into spousal benefits, survivor benefits, tax issues, and why you might want to consider suspending your benefits.

If you're concerned about how you will manage financially in your retirement - and you probably should be - then this is well worth reading.
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