**Are you ready to maximize your Social Security benefits? ** 

We invite you to participate in our upcoming webinar where our strategic partner Thomas J. Schmitt, CRPC®, CPWA®, who is a director for the Financial Institutions and Advisors Division of MFS Fund Distributors, Inc., will guide you through essential strategies for effective Social Security planning. This interactive session will cover vital topics to help you make informed decisions about your retirement benefits.

See Bio Below:

**Why Attend? ** 

Understanding Social Security is crucial for securing your financial future. Whether you are approaching retirement age or planning for the long term, this webinar will provide you with the tools you need to navigate the complexities of Social Security. 

**What You Will Learn: ** - 

**Eligibility and Benefits Overview: ** Understand what benefits you may qualify for and how to apply. 

**Timing Your Benefits: ** Discover the impact of different claiming ages on your benefits and overall retirement plan. 

**Spousal and Survivor Benefits: ** Learn how to maximize benefits for you and your partner. 

**Tax Implications: ** Understand how Social Security benefits are taxed and how to strategize accordingly. 

**Common Pitfalls: ** Identify mistakes to avoid that could diminish your benefits. - 

**Real-Life Case Studies: ** Review examples of effective and ineffective Social Security planning strategies. 

**Who Should Attend? ** 

- Individuals nearing retirement

- Couples planning for their financial future

- Financial advisors looking to broaden their knowledge

- Anyone interested in learning more about Social Security benefits

**Reserve Your Spot! ** 

Don’t miss out on this opportunity to enhance your understanding of Social Security and make informed decisions for your retirement!

Thomas J. Schmitt, CRPC®, CPWA®, is a director for the Financial Institutions and Advisors Division of MFS Fund Distributors, Inc., a subsidiary of MFS Investment Management® (MFS®). He covers New York City. Tom joined MFS in 2019 in his current role. He previously served as a vice president and senior advisor consultant at Oppenheimer Funds Distributors for 18 years. Prior to that, he worked as a regional wholesale vice president at Fidelity Investments Insitutional Services for a year. He started his career with Oppenheimer in 1994, working there for five years, first as a regional sales representative and then as a strategic account representative. Tom earned a Bachelor of Arts degree in economics from the University of North Carolina. He holds the Chartered Retirement Planning Counselor® and Certified Private Wealth Advisor® designations, as well as Series 7 and 63 registrations from the Financial Industry Regulatory Authority. Thomas Schmitt is not affiliated or registered with Cetera Investment Services LLC. Any information provided by Thomas is no way related to Cetera Investment Services LLC or its registered representatives.