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About Devin Carroll
I'm the youngest of three brothers, and we grew up all over the great state of Texas, including Amarillo to Laredo and most points in between. In my later teen years, we moved from Texas to a little city outside of Shreveport, Louisiana. It was there that I finished high school and attended college. It was also during this time I fell hard for a blonde-haired girl named Karen. Twenty plus years later we have 3 children and two dogs. In 2016, Karen left her job as a registered nurse to join me full time in our business.
I've been helping people with money-related stuff for a quite some time. I've been a practicing financial planner for the last 16 years. The first 8 years were spent in a big brand name firm. For the past 7 years, I've been at my own firm Carroll Investment Management. To share what I've learned with even more folks, I run the Social Security Intelligence blog and co-host the Big Picture Retirement podcast.
When I'm not working, I try to lead an uncomplicated life. I love spending time outside, especially with my family. I've grown a garden or two, and look for the slightest excuse to get on my tractor.
My ultimate goal for the books I write is that I can help reduce my reader's stress and let them turn their focus to the things that really matter - family, friends & health.
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“The rules relating to social security are long, complex, and dry. This book distills the most relevant parts into a guide that is easy to follow.”
Brandon Renfro, Ph.D.
NOW UPDATED FOR 2020!!
Devin Carroll brings you a condensed, straightforward guide that gives you the nine essentials that everyone should know to navigate the maze of Social Security with confidence (without getting lost in the tangled web of Social Security rules). If you want to make sure you don't leave your Social Security benefits to chance, reading this book is a great first step in achieving that goal.
The Cure for Complexity
When Carroll first started studying Social Security, the massive website and rule book left him feeling like he was trying to drink from a fire hose. It was just too much information to make sense of all at once, and left him feeling overwhelmed.
Sound familiar? Carroll's later experiences with clients who were distressed, confused, and burned by the Social Security system convinced him that something must be done to help people take the overly complex, verbose, and altogether unruly Social Security rules and distill them down into something simple, actionable, and understandable. After spending the last several years studying, speaking, and writing on Social Security, Carroll discovered that most questions on the topic could be answered through a solid understanding of the basics.
That's what Carroll promises to teach you in this book: the essential knowledge you need to. In each chapter, Carroll details the specifics behind the rules, calculations, exceptions, and necessary information so you can correctly identify your own benefit, understand when you're entitled to more, make the best decision on when to file, and more.
What others are saying...
“Devin Carroll is the perfect person to untangle Social Security's mumbo-jumbo. He makes the rules simple to understand, taking concepts most people mess up and laying them out in an easy to understand format. Bravo!”
Joe Saul-Sehy, Stacking Benjamins Podcast Creator and Host
“Devin’s book, Social Security Basics, is an indispensable resource in helping you make smart, informed decisions about your Social Security benefits so you’ll have a more confident and comfortable retirement ahead of you.”
Russ Thornton, WealthcareForWomen.com
"Making decisions about Social Security benefits can be intimidating but it doesn’t have to be. This is a fantastic book to explain what you really need to know.”
David Waldrop, CFP - The Astute Advisor Blog and Bridgeview Capital Advisors
The Social Security Rules are Different for Educators
In The Hero’s Penalty, Devin Carroll brings you a clear and concise vision of your how these Social Security rules will affect you, your spouse, and your retirement together. If you want to make sure you aren’t misinformed about your benefit options and can plan for your future with confidence, reading this book will give you the knowledge you need to optimize your retirement income.
- The basics of Social Security
- The nuts and bolts of the Windfall Elimination Provision
- The two ways to sidestep the effect of the Windfall Elimination Provision
- How the Government Pension Offset works
- How to get around the Government Pension Offset
- How to treat 403(b) plans, 457 accounts and ORP