Category Archives: Retirement Basics

SS money

Couple Will Now Have Potentially Over $100,000 More In Social Security Benefits By KNOWING What Is Rightfully Theirs!

Protect your money from market downturns

It PAYS to stand up for your rights!

Mary Ellen had just left the Social Security office after waiting for 90 minutes, “We went into the Social Security office and they told us that my husband, who is now 66 could not suspend his benefits since he had already claimed at age 62.”  

I asked her, “Did you ask to speak with a supervisor?”

“Yes.” I could hear her frustration. “The supervisor told us the same thing!”

What was their reason for not allowing him to suspend? The law clearly states that he can suspend now that he is 66.” This was not the first time this happened.

“They said we just could not do it.” 

“Go back there and ask them for a written reason WHY they are denying him what is rightfully his.” I shook my head.

Mary Ellen got back to me the next day. “Thank you so much for your help! After 2 1/2 hours on the phone I was finally able to convince the Social Security people that Bob was eligible to suspend his benefits.”

“It just baffles me that they would give you wrong information”

“I know, me too…you wouldn’t believe how persistent I had to be!”


So how does this add up to potentially over $100,000 in additional lifetime Social Security benefits?

As you may have heard, the Bipartisan Budget Act is removing two Social Security claiming strategies. If you will be 66 by May 1st,  you still have the ability to suspend your benefits, or file and suspend your benefits while your spouse collects spousal benefits.

If Bob did not suspend his benefits, the couple would have a potential lifetime cumulative benefit amount of $970,818 considering a lifespan of 95 years (they both have longevity in their families and don’t smoke).

Where does the extra money come from? Now Bob has suspended his benefits, his benefit will increase by 8% each year until age 70. Also, Mary Ellen, because she is over 62 she can restrict her application to spousal benefits, which is 1/2 of Bob’s primary insurance amount (if she was under 62, the new laws make it so she can not restrict her application). If Mary Ellen restricts her application to spousal benefits, she allows her benefits to grow by 8% per year until she is 70. At that point she can receive her own, larger benefit.

This new strategy has a potential lifetime cumulative benefit amount of $1,071,629,

So for about 7 hours of their time, including the learning event, the first and second meetings with me, and their time at the Social Security office and on the phone, they “made” potentially over $100,000.

Not so bad.

It’s good to be informed.

If you are reading this and it is before April 28th, it’s possible you still have time to claim what is due you.

This may apply to you if you are:

  1. Married

  2. One of you is over 62 as of January 2016


Contact Nannette at  702.498.2445 to find out if you qualify.

SS money

Social Security Optimization – Do It Before May 1 2016!

Learn how Congress’s Newly Signed Budget
will Impact your Social Security Retirement

Set up an event for your group of 15 or more.
This is urgent, the new laws go into effect May 1st, 2016. 

Social Security Optimization March 6 2016

If you are between age 62-68, you may be able to receive $20,000 – $40,000 or more (ethically and legally) in additional lifetime Social Security benefits.

I am a tax-free retirement coach, and I am offering free presentations to seniors ages 62-68 (minimum group of 15 people) to help them get the most from Social Security before the Bipartisan Budget Plan’s Social Security CUTS will go into effect on May 1, 2016.

You need to act quickly by using the proper claiming strategies that will go away on May 1st, 2016.

*This can mean the difference of $20,000 – $40,000 or more over the course of your lifetime.*

There is major chaos with regards to these laws. The Social Security Administration staff is not well versed on the new laws (understatement).

This presentation is 30 minutes long. All attendees qualify to receive a free Social Security optimization report that takes into consideration their age and that of their spouse, their benefit amount, and other variables. As I stated above, this can mean the difference of $20,000 – $40,000 or more over the course of their lifetime. What could that mean to you in your retirement?

All because you attended THIS event received your free report!

Due to the chaos at the Social Security Administration, and the tendency for people to procrastinate and do things at the last moment (and the long lines and a potential jammed up SS website)…you could miss out on money that YOU paid into the system!

Schedule now, time slots are very limited.

Contact me to offer this workshop to your group of 15 or more.

Nannette DiMascio

Too busy to learn how to avoid the tax hatchet?

It hurts right there in your stomach, doesn’t it?

You’re too busy.

In the middle of the night do you stress about your retirement?
Unless you are one of the informed few, the money you are growing will get the tax hatchet.

How much will that be? We have low income taxes right now. Then as sure as gravity, Inflation creeps in on your money to aggravate the situation.


Finance concept: puzzle dollar with pieces near by
Are you pushing this to the back of your mind, thinking there is no real cure?
What if there were?

There is an option. There’s a good chance you are not stuck.

This may come as a surprise to you, as it did me. There is a vehicle where you can grow your money without paying tax on the growth, and if you do it correctly, take your money out tax free. If that were not enough to pique your interest, there’s more. If you were to die, this vehicle would pay your beneficiaries a large sum, which in most cases would be tax free.

Are you too busy to save yourself decades of hard work and the disappointment of the tax hatchet?

If not, read my upcoming posts as I share  something with you that could help secure a comfortable retirement. Something that could give you financial peace.