Social Security: One of the Most Important Decisions of Your Retirement


Thousands of Baby Boomers will ask, “When should I start taking Social Security?” They will ask that question each day for the next seventeen years.  Are you prepared to answer that question?  How much you receive from Social Security depends on three primary factors:


  1. Your earnings record
  2. When you elect
  3. How long you expect to live


Since you can’t go back and change your earnings record, and you have minimal control over how long you live, when to elect and the options you choose may be one of the of most important decisions for your retirement.


Through Social Security Timing, offered by UCCU Financial Group, we can help you examine many possible election options and find the one that offers the highest expected lifetime benefit for you and your spouse. For further information call Steve Lloyd at (801) 223-7502 or visit


Curtis Willardson, CFP, CLU, Daniel O Palmer, and Stephen Martin CFP, CLU, ChFC are registered representatives offering securities and and advisory services offered through Cetera Advisor Networks LLC, member FINRA/SIPC. David Palmer is a registered representative offering securities through Cetera Advisor Networks LLC, member FINRA/SIPC.  Cetera is under separate ownership from any other named entity. Registered address: 188 W River Park Drive, Provo, UT 84604.


Not NCUA/NCUSIF Insured – No Credit Union Guarantee – Not a Deposit – May Lose Value

Not Insured By Any Federal Government Agency.

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