Joe Anderson
ABOUT Joseph

As President of Pure Financial Advisors, Joe Anderson has led the company to achieve over $2 billion in assets under management and has grown their client base to over 2,160 in just ten years of the firm opening. When Joe began working with Pure Financial in 2008, they had almost no clients, negative revenue and no [...]

Alan Clopine

Alan Clopine is the CEO & CFO of Pure Financial Advisors. As CEO he currently leads Pure Financial Advisors along with our executive team. As CFO he is responsible for the financial operations of the company. Alan joined the firm about one year after it was established. At that time the company had less than [...]

Scenario #1
One Spouse Earns More than the Other
• Higher earner may want to delay to age 70
• Lower earner may want to collect at full retirement age
• Assumption: At least one spouse anticipates a long life
• Benefit: Higher benefit for survivor plus current benefits sooner

Scenario #2
Both Spouses Have Similar Lifetime Earnings
• Both spouses may want to delay to age 70
• Assumption: Both spouses anticipate a long life
• Benefit: Higher benefit for both spouses

Scenario #3
Only One Spouse Has Earned Income
• Earner spouse may want to delay to age 70
• Advantage: Highest survivor benefit
• Earner spouse may want to claim at full retirement age
• Advantage: Best for spousal benefit

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