Know for sure — plan ahead.

Social Security benefits seem pretty simple. If you want the most income and least penalties, start benefits when you’re eligible or when you’re fully retired, whichever comes first. But life has a way of complicating things when it comes to beneficiaries. Do you have a previous marriage, are you remarried, or do you have children not from a marriage? In those cases (and others), it’s critical to consult with a Social Security professional early enough that you don’t limit your options down the road.

Talking with an experienced CERTIFIED FINANCIAL PLANNER™ professional can help you understand the rules, how they apply to your situation and what you’ll need to do to prepare.

Securities are offered through LPL Financial (LPL), a registered broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. First Community Financial Consultants is another business name of Independent Advisor Alliance, LLC. All investment advice is offered through Independent Advisor Alliance LLC, a registered investment advisor. Independent Advisor Alliance is a separate entity from LPL Financial. First Community Bank and First Community Financial Consultants are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using First Community Financial Consultants, and may also be employees of First Community Bank. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, First Community Bank or First Community Financial Consultants. Securities and insurance offered through LPL or its affiliates are:

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