Strategies to Optimize Social Security Benefits: Determining Retirement Age, Spousal Benefits, and Medicare Basics

Recording of a 110-minute CPE webinar with Q&A

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Conducted on Thursday, November 18, 2021

Recorded event now available

or call 1-800-926-7926

This course will discuss Social Security strategies and considerations for individuals approaching retirement age and the basics on how Medicare works. Our panel of experts, Faye Sykes NSSA with Social Security Benefit Planners, and Anna Kindley, NSSA, SPHR, SHRM-SCP with Scarlet Oak Financial Services, will discuss how the Social Security works and tips on how to know when your clients may need additional assistance or may be missing out on benefits.


Social Security is a life insurance, disability insurance, and retirement income benefit earned during your working years. One out of four Americans relies on some assistance--61 million. The average American depends on Social Security for 40-60 percent of supplemental retirement income and 30 percent rely on this for most or all of their retirement income. There are almost 2,800 different regulations that oversee Social Security. Social Security employees are directed to only answer questions but cannot legally give advice.

With proper planning, individuals or couples can potentially see an $8,000 to over $30,000 a year increase in annual retirement income.

Every situation is different. Some clients are or have been married or are widowed; others work for entities not covered by Social Security; factor in minor children, they too may be eligible for important benefits as well. Planning opportunities and recommendations vary based on each individual's life and financial situation.

Listen as our panel of experts breaks down this sophisticated program with real-life scenarios, tips, and practical guidance on optimizing and claiming Social Security benefits and the basics of Medicare.



  1. Social Security: an overview
  2. Why waiting matters
  3. Getting to the right answers
  4. Focus on family dynamics
  5. Medicare overview


The panel will review these and other important issues:

  • How to maximize Social Security retirement income?
  • Why the age you elect to take Social Security and how much you paid in matters?
  • How best to earn credits and ensure eligibility for Social Security
  • What considerations are there if I have or had a spouse?
  • What do grandparents raising grandchildren full-time need to know?


Sykes, Faye
Faye Sykes

CEO, Independent Advisor
Social Security Benefit Planners

Ms. Sykes' passion is educating and helping individuals and business owners design workable financial solutions. As...  |  Read More

O'Brien, Margaret
Margaret O'Brien
Health Insurance Consultant
Zentripy Global Insurance

Ms. O'Brien is a Certified Employee Benefits Specialist with over 25 years' experience in the health insurance...  |  Read More

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