Every Baby Boomer should ask themselves one question before they retire when to file for Social Security benefits? Decisions about SS are significant and irreversible. The stock market crash of 2008 makes Social Security more important than ever. Beginning benefits too early can cause a reduction in total lifetime benefits. Failure to consider the impact of marriage, divorce, remarriage, and widowhood can severely limit lifetime SS income. Failure to coordinate IRA distributions with SS taxation can result in lost income due to taxes. Learn more about the role SS plays in a financial plan, strategies to increase benefits, when to apply, coordinating spousal benefits, women and SS, and taxes and SS. Participants will receive a presentation guide and the 2010 Guide to Social Security printed by the Social Security Administration. Instructor: Mike Branch, Certified Financial Planner, presenter for over 17 years.