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Your Bank > Education and Advice > CNB University

Podcast: Social Security, An Undervalued Retirement Resource

James P. Terwilliger
James P. Terwilliger, PhD, CFP® is Senior Vice President - Group Manager, Financial Planning Strategies and can be reached at JTerwilliger@CNBank.com or (585) 419-0670 x50630.
D Dohse
Denise Kelly-Dohse is Vice President - Financial Planning Officer and can be reached at DKelly@CNBank.com or 585-419-0670 x50619.

We hope you enjoyed listening to "Ask the Experts" on 1180 WHAM, Sunday, May 19th at 7pm.

Ask the Experts is CNB's financial forum for education and advice as local experts answer your questions on financial topics that interest you. The experts of the last call included James P. Terwilliger, PhD, CFP®, Senior Vice President, Financial Planning Manager and Denise Kelly-Dohse, Assistant Vice President, Financial Planning Officer as they highlighted ways to maximize your Social Security retirement benefits.


Highlights From the Show
Audio Clip

How much is Social Security worth?

 
 

What are the age requirements to begin eligibility for Social Security?

 
 

The implications of beginning Social Security benefits at different times.

 
 

Single, Never Been Married: Strategy considerations.

 
 

Single, Never Been Married: Break-even Age for Starting Early or Delaying.

 
 

Married Couples: Strategy of sequencing spousal benefits with one's own benefit.

 
 

Married Couples: Break-even age for sequencing benefits.

 
 

Married Couples: Example for sequencing spousal benefits.

 
 

Widowed: Strategy of sequencing survivor benefits with one’s own benefit.

 
 

Widow Remarried: Strategy of sequencing survivor benefits.

 
 

Divorced: Strategy of receiving benefits after divorce.

 
 

You can also listen to the broadcast in its entirety here:

 
 

For questions, feel free to contact Jim Terwilliger or Denise Kelly-Dohse.

This material is provided for general information purposes only and is not a recommendation or solicitation to buy or sell any particular security, product or service. Past performance is not indicative of future investment results. Any investment involves potential risk, including potential loss of capital. Before making any investment decision, please consult your legal, tax and financial advisors. Non-deposit investment products are not bank deposits and are not insured or guaranteed by Canandaigua National Bank & Trust, or any federal or state government or agency and are subject to investment risks, including possible loss of principal amount invested.

Tax information presented is not to be considered as tax advice and cannot be used for the purpose of avoiding tax penalties. Neither Canandaigua National Bank & Trust nor its affiliated Companies provide tax, legal, or accounting advice. Please consult your personal tax advisor, attorney, or accountant for advice on these matters.