Joe Anderson
ABOUT Joseph

As CEO and President, Joe Anderson has created a unique, ambitious business model utilizing advanced service, training, sales, and marketing strategies to grow Pure Financial Advisors into the trustworthy, client-focused company it is today. Pure Financial, a Registered Investment Advisor (RIA), was ranked 15 out of 100 top ETF Power Users by RIA channel (2023), was [...]

Alan Clopine

Alan Clopine is the Executive Chairman of Pure Financial Advisors, LLC (Pure). He has been an executive leader of the Company for over a decade, including CFO, CEO, and Chairman. Alan joined the firm in 2008, about one year after it was established. In his tenure at Pure, the firm has grown from approximately $50 [...]


The numbers are staggering. Each day, 10,000 people are reaching retirement age and becoming eligible for social security benefits. The vast majority of those people have no idea how to maximize their benefits. Financial experts Joe Anderson and Alan Clopine draw on their decades of experience to highlight Social Security secrets that could help put more dollars in your pocket during retirement.

Important Points:

(2:15) – Important Ages to Consider with Social Security

(4:00) – Who is Eligible for Social Security?

(4:30) – Claiming Benefits at Full Retirement Age & Collecting Early vs. Collecting Late

Click here to download The Social Security Handbook

(6:40) – If I claim Social Security benefits while working before my full retirement age, will my benefits be reduced?

(8:10) – Social Security Tips for Singles

(9:00) – Social Security Tips: Divorced

(10:30) – Social Security Tips: Survivor Benefits

(12:08) – Claiming Strategies for Married Couples

(15:35) – Social Security Secret #1: There is no advantage to collecting your own Social Security benefit later than age 70.

(16:20) – Social Security Secret #2: There is no advantage to delaying spousal or survivor benefits until after your full retirement age.

(17:30) – Social Security Secret #3: You can “repay and replay” but only within one year.

(17:50) – Social Security Secret #4: If you were married multiple times (for over 10 years each), you can claim a spousal benefit on the ex-spouse with the highest benefits.

(18:20) – Social Security Secret #5: If you were 62 before January 2, 2016, you may be able to take a full spousal benefit at or after full retirement age while letting your retirement benefit grow through age 70 (Old File & Suspend Rule).

(19:15) – VIEWER QUESTION – My wife and I are 60 years old. Would it work out better financially for us if we took her Social Security at 62 and invested all of it rather than waiting until her full retirement age to claim the benefits?

(21:01) – VIEWER QUESTION – I want to keep working until I’m 70. I make $150,000 a year as a consultant. Will it be worth it for me to keep working or will it cause me to net less because of the taxes I will pay on my Social Security benefits and my income?

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