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As we step into a new year, January is the perfect time to pause, reflect, and set intentions for what’s ahead. In this month’s newsletter, we’re focusing on clarity, purpose, and planning with confidence.
We begin by sharing our Word of the Year - a guiding principle that keeps our team focused, energized, and inspired as we support you and your financial goals. We also invite you to reflect on what word might shape your own year ahead.
In addition, we’re highlighting an upcoming live webinar, Social Security for Divorcees & Widows Explained, designed to help bring clarity to an often-confusing topic and empower you to make informed decisions about benefits you’ve earned.
Please share with family, friends, or colleagues who have gone through a divorce or lost a spouse. Understanding the Social Security options can make a meaningful difference in long-term financial security.
We’ll cover common questions like:
• Am I eligible to claim benefits based on my ex-spouse’s work record?
• Does my ex-spouse have to be collecting Social Security for me to claim?
• Will claiming on my ex’s record reduce their Social Security benefit?
• How much can I receive based on my ex-spouse’s record?
• Can I switch between my own benefit and a divorced-spouse benefit?
• What happens if I remarry?
• Does divorce affect survivor benefits?
• When should I claim—early or wait?
• Do I need my divorce decree to apply?
• Should I talk to Social Security directly—or get guidance first?
IMPORTANT REMINDER: Each year, your tax documents are mailed to your permanent address - usually by mid-March once they become available.
However, if you need your tax forms sooner or want access to previous years’ documents, you can view and download them anytime through Investor360° Online. We have included the instructions below.
As always, we’re grateful to start another year alongside you and look forward to helping you navigate each step with confidence and intention.
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