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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: 6 x 0.3 x 9 inches
  • Shipping Weight: 6.4 ounces (View shipping rates and policies)
  • Average Customer Review: 4.4 out of 5 stars  See all reviews (65 customer reviews)
  • Amazon Best Sellers Rank: #47,342 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

So, maybe a minor quibble, but worth pointing out.
Doug Miller
This contains VERY Helpful "Social-Security" Information, written by a Certified EXPERT, in Layman's Language that Everybody can understand!
Frank Carmen, L.r.c.
Get this book BEFORE making any decisions on claiming your Social Security benefits!
LD

Most Helpful Customer Reviews

16 of 16 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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18 of 20 people found the following review helpful By Tdaoust 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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10 of 10 people found the following review helpful By Natalie T. Schubert on October 17, 2013
Format: Kindle Edition Verified Purchase
Wow, I never realized how only 4% of Financial planners really understand the intricacies of Social Security Income Planning when we get to retirement age! Having this detailed step by step guide by a CFP (Certified Financial Planner) who is an expert in this field is a treasured jewel of a find. What I liked most was he gives a step by step example of what it would look like if you're divorced or married and if you take the early pay out option or wait til later. That surprised me! I realized I would only be receiving 70% of my check FOREVER if I started the program when I was 62 compared to 67. This book has all the nuts and bolts, graphs and history to back up every bit of his detailed explanations. VERY HELPFUL INDEED!
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14 of 17 people found the following review helpful By ROBERT M FOWLER on July 22, 2014
Format: Paperback
First the good news: the author knows his stuff, and a reader can learn a lot from him about how Social Security works. However, the book is painfully, awkwardly written. This begins already with the Table of Contents, which does not indicate page numbers for the various chapters. But the reason for that is that the book is not paginated--no page numbers at all! Therefore there would be no way to provide an index. There is no bibliography or other documentation of the sources cited in the text. Instead of each new chapter beginning on a new page, each new chapter follows hard on the heels of its predecessor. It's hard to see an overall organizational plan for the book. At the level of sentences, the basics of English composition are violated left and right. E.g., all sorts of things are placed between quotation marks when they don't need to be; ellipses are inserted randomly on almost every page; possessive and plural forms of nouns are regularly mishandled; etc.

I'll quit there. Again, the author knows his stuff, but I would have appreciated the book so much more if it had been better written.
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5 of 5 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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5 of 5 people found the following review helpful By Doug Miller on September 2, 2014
Format: Kindle Edition Verified Purchase
In general this is a very helpful book. (as the author notes, there are a number of good books available on the topic of SS). Other reviewers have covered the benefits (and desperate need of editing) of the book. I will focus on one chapter of the book. The author is quite proud of the chapter describing the Earlys, Waites, and Bests. This chapter illustrates the federal tax advantages that might be gained by delaying benefits as long as possible. However, the author does not point out that the value of this strategy will decline, almost to the vanishing point, over the coming years. The strategy is based on making SS as large a part of your income as possible, because the federal government only taxes up to 85% of SS benefits based on certain income limits. The problem is, those income limits were established many years ago and were deliberately not indexed. So the dollar amounts, which very few folks would have hit when established, have never been increased. Over time, almost all middle class folks who have made any preparation at all will blow right past those upper limits. Under current law, 15% of the SS benefit would still escape federal tax, so there will still be some benefit (and many states don't tax SS, so there is benefit there). So, while there will remain some modest benefit to this facet of delayed SS benefits, that chapter overstates it's likely future value. (In addition, it seems very likely that at some point, that 85% cap will be eliminated, and most middle class folks will see their entire SS check taxed as regular income (at the federal level). So, maybe a minor quibble, but worth pointing out.
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