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Jeffrey Stevens, Founder of Preferred Retirement Strategies Announces Publication on Social Security Claiming

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Jeffrey Stevens, Founder of Preferred Retirement Strategies Announces Publication on Social Security Claiming

Published on December 22, 2022

Jeffrey Stevens announces a new publication his firm has come out with to educate pre-retirees on Social Security claiming options.

Stevens says, “At Preferred Retirement Strategies, we help our valued clients develop a clear understanding of their Social Security benefits and educate them on the right time to start accepting their benefits. Delaying your benefit may potentially increase your benefit amount by as much as eight percent per year. There is a lot to know about Social Security, and you need to be educated so that you head into retirement with a plan on exactly how you will rely on your benefits. Our firm is committed to helping you get the most you can from your benefit, so you can take one step closer to the comfortable and enjoyable retirement you’ve been working so hard for! To help ensure you are maximizing your Social Security benefit, you should have a firm understanding of this complex matter.”

Social Security is a crucial part of many people’s retirement planning. The Social Security Administration (SSA) estimates that about 60% of elderly Americans rely on Social Security for at least half of their income.

For most people, deciding when to claim Social Security benefits is one of the most important financial decisions they will make in retirement. The key to making the right decision is understanding how Social Security works and fits into an overall retirement plan.

Here are some things to consider when making claiming decision:

Full Retirement Age

The full retirement age (FRA) is the age at which someone is eligible to receive full Social Security benefits. For people born between 1943 and 1954, FRA is 66. For those born in 1960 or later, FRA is 67. If they claim benefits before reaching FRA, their benefit will be reduced.

Life Expectancy

Life expectancy is an essential factor to consider when claiming Social Security benefits. Generally speaking, the longer someone is expected to live, the more advantageous it is to delay claiming benefits. This is because Social Security benefits are designed to replace a more significant portion of working income if they claim them later in life. For example, if they claim benefits at age 70 rather than 62, their benefit will be 28% higher. This can make a big difference in their overall retirement income.

Health Status

Health status is another critical factor to consider when making Social Security claiming decision. Generally speaking, the healthier someone is, the longer they can expect to live. Waiting to claim Social Security benefits may be advantageous if someone is in good health. On the other hand, if their health is not good and they don’t expect to live a long life, it may be better to claim benefits earlier. This is because they’ll want to maximize the time they spend receiving benefits.

 The Bottom Line

Deciding when to claim Social Security benefits is a complex one. There are a lot of factors to consider, and there is no single right or wrong answer. The best thing that can be done is to become educated about how Social Security works and how it fits into the overall retirement plan.  

About Jeffrey Stevens

Jeff Stevens provides clients with custom-tailored investment strategies to meet short and long-term goals. As a fiduciary, Jeff is obligated to put his clients’ interests first. His objective is to help individuals, families and businesses develop innovative financial strategies that result in financial clarity, security, and overall financial health.

Jeff specializes in wealth creation, wealth conservation, personal financial planning, business planning and estate planning. He works with clients to secure their retirement by maximizing their retirement income to keep pace with inflation and reduce market risk.

Jeff is a member of the National Association of Insurance and Financial Advisors and is a life and qualifying member of the Million Dollar Round Table.

Jeff grew up in Brooklyn and Long Island. He enlisted at seventeen and served honorably in the United States Marine Corps. Upon discharge from the service, Jeff worked as an electrical engineer and enrolled in Nassau Community College. After earning an Associate’s Degree, Jeff entered the insurance and financial services industry and continued his education at Rutgers University where he received a BS in Management.

Jeff resides in Freehold, New Jersey with his wife, Marge. They have two adult children and three grandchildren. Jeff is an avid sportsman and enjoys freshwater and saltwater fishing and vacationing with his family.

Ensure a successful and dignified, retirement without financial worries.

Learn More: http://www.preferredretirementstrategies.com

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Mary Ann Stiles Ascends to Top of the Bestseller Lists in Four Countries with Top 50 Fearless Leaders Vol. 2

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Mary Ann Stiles Ascends to Top of the Bestseller Lists in Four Countries with Top 50 Fearless Leaders Vol. 2

Published on May 30, 2023

Top 50 Fearless Leaders Volume 2, featuring the trailblazing Mary Ann Stiles, has claimed the #1 spot on bestseller lists in the USA, Canada, United Kingdom, and Australia, reaching the status of No. 1 International Bestselling book.

The International Association of Top Professionals (IAOTP) is thrilled to announce the international recognition and success that Top 50 Fearless Leaders Volume 2 has garnered. With Mary Ann Stiles as one of the spotlighted leaders, the book has struck a chord with readers, pushing it to the pinnacle of bestseller lists in four countries.

Upon its launch, the book outperformed renowned titles such as Think and Grow Rich (Napoleon Hill), Rich Dad, Poor Dad (Robert Kiyosaki), The 7 Habits of Highly Effective People (Stephen Covey), and more. This notable feat not only underscores the remarkable appeal of Ms. Stiles’ story, but it also emphasizes the book’s profound resonance and influence among a global audience.

Curated by IAOTP, Top 50 Fearless Leaders Volume 2 intertwines the compelling narratives of eminent figures from a variety of sectors. Among these inspiring journeys of resilience, determination, and passion, the story of Mary Ann Stiles shines bright. Her life and career deeply resonate with readers, leaving them inspired by her tenacity and ‘can-do’ attitude.

Born into humble beginnings, Mary Ann Stiles, the first college graduate in her family, has forged a remarkable journey. From her first experiences in a home without basic facilities, she worked her way up through community college, college, and then law school. Now a respected Vice President, General Counsel, and successful entrepreneur, her story exemplifies the fearless spirit that the book series strives to celebrate.

In her esteemed career, Ms. Stiles has received multiple awards and accolades, including being inducted into IAOTP’s Hall of Fame and being named Top Attorney of the Year by IAOTP. Her accomplishments are now reaching a global audience through her enlightening chapter in Top 50 Fearless Leaders Volume 2, reinforcing her status as a beacon of resilience and leadership.

“We’re extremely proud of the significant impact that Top 50 Fearless Leaders Volume 2 is making globally, and particularly the extensive influence of Mary Ann Stiles’ inspiring journey,” said Stephanie Cirami, President of IAOTP. “Her story of resilience, perseverance, and unwavering dedication to her field is a testament to the profound influence of fearless leadership.”

As Top 50 Fearless Leaders Volume 2 continues to gather momentum on bestseller lists worldwide, the narratives of the featured leaders, including Mary Ann Stiles, are set to inspire, empower, and leave a lasting impression on readers around the globe.

About IAOTP

The International Association of Top Professionals is an exclusive boutique networking organization dedicated to recognizing and connecting the world’s most distinguished professionals. IAOTP offers its members unparalleled opportunities for collaboration, keynote speaking engagements, and mentorship within their respective fields. IAOTP extends exclusive membership invitations to those distinguished professionals nominated by a reputable honorary member or personally invited by the President.

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Joshua Dean Named Among the Top Mortgage Originators in the Nation in 2022 by Scotsman Guide and Mortgage Executive Magazine

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Joshua Dean Named Among the Top Mortgage Originators in the Nation in 2022 by Scotsman Guide and Mortgage Executive Magazine

Published on May 30, 2023

Mortgage Executive Magazine and Scotsman Guide list Joshua Dean among America’s top mortgage originators in 2022.

Joshua Dean, Sales Manager and Mortgage Advisor at Homeowners Financial Group, has been ranked among the nation’s top originators based on dollar and unit volume originated during 2022. He is the leader of The Dean Team which serves clients seeking residential purchase and refinancing mortgages from its office in Canton, Georgia.

Scotsman Guide’s annual listing, Top Originators 2023, published in April 2023, names Dean as one of the nation’s top mortgage originators. Scotsman Guide stated, “Since 2010, Scotsman Guide has ranked thousands of the nation’s top producing residential mortgage originators. The longevity, verification process and comprehensive scope of this list have positioned it as a benchmark for the mortgage industry.”

Dean was also listed in Mortgage Executive Magazine’s ranking of the Top 1 Percent Mortgage Originators in America 2022, also published in April 2023. The magazine creates the list “to recognize and celebrate the service, dedication and hard work that leading mortgage professionals put into serving their clients during the home loan process.”

Dean said, “Getting repeated opportunities to be part of our clients’ stories and serve alongside our partners brings immense joy to our team. We embrace this national recognition with great humility and gratitude. The Dean Team exist to create experiences that matter by delivering value that has generational impact for the people we serve.”

Joshua Dean (NMLS#1662895) is the Sales Manager and a Mortgage Advisor at Homeowners Financial Group USA LLC ’s (NMLS#93718) office in Canton, Georgia. He has over 15 years of experience in the financial services industry including residential mortgages, debt management, and property and casualty insurance. Dean and his team serve clients in Georgia, Florida, Alabama, and Tennessee. In addition to the Mortgage Executive Magazine and Scotsman Guide rankings, he has been awarded as a member of the Homeowners Financial Group’s President’s Club for 2020, 2021, and 2022. Dean and his team exist to create experiences that matter by delivering value that has generational impact for the people they serve. He holds a bachelor’s degree in Early Childhood Education as well as a master’s degree in Theological Studies. Dean, his wife Tina, and their three children live in the North Georgia area. For more information about Joshua Dean, visit www.HomeownersFG.com/JoshuaDean.

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The Teacher Squad: Successful Real Estate Agent Violet Delgado Highlighted on the Agents Lounge Podcast

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The Teacher Squad: Successful Real Estate Agent Violet Delgado Highlighted on the Agents Lounge Podcast

Published on May 29, 2023

The latest episode of the Agents Lounge podcast features Violet Delgado, the real estate team leader with Jason Mitchell’s Realty Group. Delgado shares her insights on achieving success in the real estate industry, drawing from her experience as a former teacher and stay-at-home mom.

The latest episode of the Agents Lounge podcast features Violet Delgado, the real estate team leader with Jason Mitchell’s Realty Group. Delgado shares her insights on achieving success in the real estate industry, drawing from her experience as a former teacher and stay-at-home mom.

Delgado’s journey into real estate began during the COVID-19 pandemic, when she decided to take a break from her teaching career to focus on her young children. She noticed a former colleague closing deals left and right in real estate and was intrigued. After a conversation with him, Delgado was sold on the idea of pursuing a career in real estate.

On the podcast, Delgado shares how her background in education has helped her in her real estate career. “Teaching is all about building relationships and communication,” she says. “Those skills have translated well into real estate, where building relationships with clients is key to success.”

Delgado also emphasizes the importance of being proactive and staying organized in the real estate industry. “You have to be on top of everything and be proactive,” she says. “You can’t wait for things to happen, you have to make them happen.”

In addition to her insights on achieving success in real estate, Delgado also shares some of the challenges she has faced in the industry. “One of the biggest challenges is managing client expectations,” she says. “You have to be honest with them and set realistic expectations from the beginning.”

Delgado’s dedication to her clients and her passion for the industry are evident in her success as a real estate team leader. She attributes much of her success to her team and their shared commitment to providing exceptional service to their clients.

“We have a great team dynamic,” she says. “We all have different strengths and skills, but we work together to provide the best possible service to our clients.”

Listeners of the Agents Lounge podcast will benefit from Delgado’s insights and advice on achieving success in the real estate industry. Her experience as a former teacher and stay-at-home mom gives her a unique perspective on building relationships and staying organized, which are essential skills for success in real estate.

The Agents Lounge podcast is a must-listen for anyone in the real estate industry, featuring interviews with top performers and experts in the field. Hosted by Nathan Gayler with Airtegrity Comfort Solutions, the podcast provides valuable insights and advice for both seasoned agents and those just starting out.

As Delgado notes, “Real estate is a challenging but rewarding career. It’s all about building relationships and providing exceptional service to your clients.”

Listeners can tune in to the Agents Lounge podcast to hear more from Delgado and other top performers in the real estate industry.

About the Agents Lounge Podcast:

The Agents Lounge is a podcast hosted by Francisco Bermudez Jr., the owner of Airtegrity Comfort Solutions. The podcast features interviews with successful real estate professionals, who share their stories, strategies, and insights into the industry. The podcast is a must-listen for anyone interested in real estate, whether you are a seasoned professional or just starting out.

https://www.AgentsLoungePodcast.com

About Violet Delgado:

Violet was a dedicated teacher with seven years of experience under her belt. Throughout her career, she taught physics, biology, and a college prep course for high school students. She loved her job and even earned a master’s degree in education from Texas A and M. However, when COVID hit, she decided to take a break from teaching to care for her young children. As a stay-at-home mom, Violet enjoyed spending time with her family but eventually found herself looking for new career opportunities. That’s when she discovered real estate. Today, Violet is a successful real estate agent who loves helping her clients find their dream homes.

https://www.realtor.com/realestateagents/6146c510cf87190012c16468

Violet Delgado

 

About the show sponsor: Airtegrity Comfort Solutions is a locally owned and operated HVAC company that provides top-notch air conditioning and heating services to residential and commercial clients in San Antonio and the surrounding areas. With over 10 years of experience, they have established themselves as a reliable and trustworthy brand in the HVAC industry. As a sponsor of “The Agents Lounge” podcast, Airtegrity Comfort Solutions is committed to supporting the real estate community and providing exceptional service to its clients.

License Number: TACLA115907C

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