What if I told you one of the biggest threats to your retirement isn't market volatility or inflation—it's caregiving?

On this episode of The RichLife Retirement Show, Beau Henderson sits down with Annalee Kruger, a nationally recognized expert on aging and caregiving, to discuss a reality that 58% of families face completely unprepared: becoming a caregiver for aging parents or a spouse.

In this episode, you'll discover:

• The warning signs that aging parents need help (before a crisis hits)
• Why caregivers often spend $15,000+ annually just on emergency travel
• The emotional toll of caregiving and how to avoid burnout
• Practical steps to create an aging plan that provides peace of mind
• Resources available when you're already in crisis mode

Whether you're currently caregiving, concerned about aging parents, or planning for your own future care needs, this conversation offers valuable insights that could protect both your retirement vision and your family relationships.

If this episode resonates with you, or if you're facing caregiving responsibilities that are impacting your retirement strategy, let's talk. Our team at RichLife Advisors helps families plan for the complete picture—including the unexpected challenges. 

Annalee offers a free webinar and complimentary consultations at CareRightInc.com. Her book "The Invisible Patient" is also available on Amazon—both are excellent resources for families navigating these challenges. 

To learn more, visit www.RichLifeAdvisors.com

Connect with us:
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Disclosure:
Beau Henderson is an investment advisor representative with Fiduciary Capital, Inc., a registered investment advisor. Opinions expressed are for educational purposes only and do not constitute specific individual advice. RichLife Advisors does not offer legal or tax advice. Listeners are encouraged to discuss their financial needs with the appropriate professional regarding your individual circumstance.

Beau Henderson and RichLife Advisors are not associated with or endorsed by Medicare, the Social Security Administration, or any other government agency. Maximizing your Social Security benefits assumes foreknowledge of your date of death. Claiming later for a higher benefit may result in fewer benefits if you pass away earlier than expected. Investing in securities involves risk, including potential loss.

In this episode of the Rich Life Retirement Show, Beau Henderson is joined by elder law attorney Aaron Miller to discuss how elder care planning and estate strategies can help protect your retirement from the rising costs of long-term care. 

What You'll Learn:
• The real costs of care: from home health to memory care facilities
• The top 3 long-term care myths that are financially dangerous
• How Medicaid actually works—and why it’s not just for the poor
• Ways to protect your assets through proactive legal planning
• A simple checklist of documents every retiree needs to have in place

Aaron brings real-world stories, legal expertise, and compassionate clarity to a topic most families avoid until it's too late. Whether you're planning for yourself or helping aging parents, this conversation is essential.

Disclaimer:

Converting an employer plan account, or traditional IRA to a Roth IRA is a taxable event. Increased taxable income from the Roth IRA conversion may have several consequences, including, but not limited to a need for additional tax withholding or estimated tax payments, the loss of certain tax deductions and credits, and higher taxes on Social Security benefits and higher Medicare premiums. Be sure to consult with a qualified tax advisor before making any decisions regarding your IRA.

Investing in securities involves risk, including potential loss. No investment strategy can guarantee returns or eliminate risk. Investment values and income can fluctuate with market conditions. Past performance does not predict future results.

References to protection or steady income apply only to fixed insurance products, not securities or investment advisory products. Guarantees depend on the insurance company's financial strength. Surrender charges apply for early withdrawal, which is taxed as ordinary income and may incur a 10% federal tax penalty if taken before age 59½.

To learn more, visit www.RichLifeAdvisors.com

Connect with us:
https://www.facebook.com/RichLifeAdvisors/
https://www.youtube.com/@richlifeadvisors
https://www.linkedin.com/company/richlifeadvisors/
https://twitter.com/RichLifeAdvisor

Disclosure:
Beau Henderson is an investment advisor representative with Fiduciary Capital, Inc., a registered investment advisor. Opinions expressed are for educational purposes only and do not constitute specific individual advice. RichLife Advisors does not offer legal or tax advice. Listeners are encouraged to discuss their financial needs with the appropriate professional regarding your individual circumstance.

Beau Henderson and RichLife Advisors are not associated with or endorsed by Medicare, the Social Security Administration, or any other government agency. Maximizing your Social Security benefits assumes foreknowledge of your date of death. Claiming later for a higher benefit may result in fewer benefits if you pass away earlier than expected. Investing in securities involves risk, including potential loss.

Retirees are facing a hidden challenge: escalating taxes on their retirement savings. In this episode learn how the “tax torpedo” impacts households with large pre-tax accounts like 401(k)s and IRAs. 

Discover how the One Big Beautiful Bill Act created a limited-time window to convert pre-tax savings to Roth IRAs, reduce lifetime tax burdens, and protect more wealth for your family.

Hear the story of the Andersons, a Georgia couple who risked a $95,000 annual tax bill for the surviving spouse. With a tactical Roth conversion strategy, they could save $577,000 in lifetime taxes and unlock $250,000 in additional retirement income.

If you’ve saved $500,000+ in pre-tax accounts, this episode shows how to find your “opportunity zone” and approach retirement with greater confidence.

Call or text RRR to 877-731-7424 to schedule your free Retirement Clarity Call today.

Disclaimer: Converting an employer plan account or traditional IRA to a Roth IRA is a taxable event. Increased taxable income from the Roth IRA conversion may have several consequences, including, but not limited to, a need for additional tax withholding or estimated tax payments, the loss of certain tax deductions and credits, and higher taxes on Social Security benefits and higher Medicare premiums. Be sure to consult with a qualified tax advisor before making any decisions regarding your IRA. 

RichLife Advisors does not offer legal or tax advice. Listeners are encouraged to discuss their financial needs with the appropriate professional regarding their individual circumstance. 

 Maximizing your Social Security benefits assumes foreknowledge of your date of death. Claiming later for a higher benefit may result in fewer benefits if you pass away earlier than expected. Investing in securities involves risk, including potential loss. 

No investment strategy can guarantee returns or eliminate risk. Investment values and income can fluctuate with market conditions. Past performance does not predict future results. References to protection or steady income apply only to fixed insurance products, not securities or investment advisory products. Guarantees depend on the insurance company's financial strength. Surrender charges apply for early withdrawal, which is taxed as ordinary income and may incur a 10% federal tax penalty if taken before age 59½. 

To learn more, visit www.RichLifeAdvisors.com

Connect with us:
https://www.facebook.com/RichLifeAdvisors/
https://www.youtube.com/@richlifeadvisors
https://www.linkedin.com/company/richlifeadvisors/
https://twitter.com/RichLifeAdvisor

Disclosure:
Beau Henderson is an investment advisor representative with Fiduciary Capital, Inc., a registered investment advisor. Opinions expressed are for educational purposes only and do not constitute specific individual advice. RichLife Advisors does not offer legal or tax advice. Listeners are encouraged to discuss their financial needs with the appropriate professional regarding your individual circumstance.

Beau Henderson and RichLife Advisors are not associated with or endorsed by Medicare, the Social Security Administration, or any other government agency. Maximizing your Social Security benefits assumes foreknowledge of your date of death. Claiming later for a higher benefit may result in fewer benefits if you pass away earlier than expected. Investing in securities involves risk, including potential loss.

What does it really mean to retire well?

In this enlightening episode of the Rich Life Retirement Show, Beau Henderson is joined by Dr. Jordan Grumet, hospice physician, personal finance expert, and author of The Purpose Code. Together, they dive into one of the most transformative yet often overlooked aspects of retirement planning: aligning your money with meaning.

Dr. Grumet brings a unique perspective shaped by years of walking alongside the terminally ill. He shares powerful lessons from end-of-life care that can help you live more intentionally, right now — not someday “when the time is right.” This conversation is a compelling reminder that true financial confidence begins with understanding who you are and what truly lights you up.

Beau connects these insights to the Rich Life Retirement Roadmap, emphasizing how personal values must guide every financial strategy. Because your retirement isn’t just about numbers—it’s about crafting a life that reflects your purpose.

In this episode, you’ll explore:

• Why “purpose anxiety” affects so many retirees—and how to overcome it
• The difference between Big P Purpose and Little p purpose (and why the latter matters more)
• How to redefine legacy beyond money and legal documents
• What financial professionals often miss when it comes to helping you plan for what’s next
• Practical ways to start living intentionally—even before retirement

Whether you're approaching retirement or already there, this episode challenges you to think differently about your future. It's not about chasing a big, audacious goal; it's about embracing the small, meaningful actions that make life rich today.

𝗖𝗼𝗻𝗻𝗲𝗰𝘁 𝘄𝗶𝘁𝗵 𝗗𝗼𝗰 𝗚:

Visit https://jordangrumet.com to:

• Check out the book "The Purpose Code"
• Find information about Doc G's podcast "Earn and Invest"

To learn more, visit www.RichLifeAdvisors.com

Connect with us:
https://www.facebook.com/RichLifeAdvisors/
https://www.youtube.com/@richlifeadvisors
https://www.linkedin.com/company/richlifeadvisors/
https://twitter.com/RichLifeAdvisor

Disclosure:
Beau Henderson is an investment advisor representative with Fiduciary Capital, Inc., a registered investment advisor. Opinions expressed are for educational purposes only and do not constitute specific individual advice. RichLife Advisors does not offer legal or tax advice. Listeners are encouraged to discuss their financial needs with the appropriate professional regarding your individual circumstance.

Beau Henderson and RichLife Advisors are not associated with or endorsed by Medicare, the Social Security Administration, or any other government agency. Maximizing your Social Security benefits assumes foreknowledge of your date of death. Claiming later for a higher benefit may result in fewer benefits if you pass away earlier than expected. Investing in securities involves risk, including potential loss.

What if the greatest risk to your retirement has nothing to do with your finances?

In this must-hear episode of the RichLife Retirement Show, Beau Henderson sits down with retirement coach and best-selling author Bob Laura to discuss the hidden dangers most retirement plans completely ignore: emotional health, identity loss, social isolation, and lack of purpose.

Bob, a former social worker turned retirement expert, reveals why the emotional side of retirement is the least talked about — and yet most dangerous — aspect of the transition. 

You’ll learn why retirement is one of the top 10 most stressful life events, and what you can do now to avoid falling into the common traps of boredom, depression, and disconnection.

Whether you’re planning to retire in 10 years or are already there, this episode will challenge the way you think about “retirement readiness.” 

Maxed-out retirement accounts alone won’t guarantee happiness or fulfillment. Without a plan for your time, relationships, and personal identity, retirement can quickly become “retirement empty.”

You’ll discover:

• Why financial plans fall short without emotional preparation
• The shocking statistics around suicide and isolation among retirees
• The “Perfect Day” and “Perfect Week” exercise that rewires your post-career vision
• How to apply the PERMA model from positive psychology to your retirement plan
• Why written non-financial planning is a must, not a luxury

 🎁 Special Offer:
Text RRR to 877-731-7424 to receive Bob’s book, Retirement Intelligence, and Beau’s Social Security Clarity book — both free for RichLife Retirement Show listeners. 

=======================================

Disclaimer: No investment strategy can guarantee returns or eliminate risk. Investment values and income can fluctuate with market conditions. Past performance does not predict future results. References to protection or steady income apply only to fixed insurance products, not securities or investment advisory products. Guarantees depend on the insurance company's financial strength. Surrender charges apply for early withdrawal, which is taxed as ordinary income and may incur a 10% federal tax penalty if taken before age 59½.

To learn more, visit www.RichLifeAdvisors.com

Connect with us:
https://www.facebook.com/RichLifeAdvisors/
https://www.youtube.com/@richlifeadvisors
https://www.linkedin.com/company/richlifeadvisors/
https://twitter.com/RichLifeAdvisor

Disclosure:
Beau Henderson is an investment advisor representative with Fiduciary Capital, Inc., a registered investment advisor. Opinions expressed are for educational purposes only and do not constitute specific individual advice. RichLife Advisors does not offer legal or tax advice. Listeners are encouraged to discuss their financial needs with the appropriate professional regarding your individual circumstance.

Beau Henderson and RichLife Advisors are not associated with or endorsed by Medicare, the Social Security Administration, or any other government agency. Maximizing your Social Security benefits assumes foreknowledge of your date of death. Claiming later for a higher benefit may result in fewer benefits if you pass away earlier than expected. Investing in securities involves risk, including potential loss.

𝗦𝘁𝗶𝗹𝗹 𝗧𝗵𝗶𝗻𝗸 𝗮 𝗥𝗲𝘃𝗲𝗿𝘀𝗲 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗜𝘀 𝗮 𝗦𝗰𝗮𝗺? 𝗧𝗵𝗶𝗻𝗸 𝗔𝗴𝗮𝗶𝗻.

Beau Henderson sits down with Don Graves, a nationally recognized expert on reverse mortgages, to demystify one of retirement planning's most misunderstood tools: home equity.

Beau and Don challenge the long-held stigmas around reverse mortgages, explaining how modern Home Equity Conversion Mortgages (HECMs) can unlock significant tax-free retirement income, increase flexibility, and reduce financial stress. Don lays out real-world strategies to convert home equity into a powerful fourth bucket of wealth, working alongside income, investments, and insurance.

Key takeaways include:

✅  How the modern reverse mortgage is "just a mortgage" – not the risky tool people fear
✅  Using housing wealth to defer Social Security and reduce taxation
✅  Eliminating mandatory mortgage payments to free up cash flow
✅  Planning for the "certainty of uncertainty" in retirement
✅  The growing line of credit that increases access over time

If you feel stuck between financial freedom and the fear of running out of money, this conversation could reshape how you view one of your biggest assets. Don's signature humor and expertise make complex strategies feel simple and empowering.

Reverse mortgages aren’t for everyone. But they deserve more than dismissal. As Don and Beau emphasize, financial freedom means using all your tools strategically. The home might be the ace you didn’t know you had.

If you'd like to learn more, be sure to explore Don’s Housing Wealth Masterclass at housingwealthmasterclass.com.

Disclaimer: This content is for informational and educational purposes only and does not constitute financial, legal, or tax advice. Reverse mortgages (Home Equity Conversion Mortgages) are complex financial products that may not be suitable for all individuals. 

Before making any decisions regarding your retirement plan, housing wealth, or mortgage, you should consult with qualified professionals, including a financial advisor, tax advisor, or attorney. Loan terms and eligibility are subject to change and governed by FHA and federal regulations.

To learn more, visit www.RichLifeAdvisors.com

Connect with us:
https://www.facebook.com/RichLifeAdvisors/
https://www.youtube.com/@richlifeadvisors
https://www.linkedin.com/company/richlifeadvisors/
https://twitter.com/RichLifeAdvisor

Disclosure:
Beau Henderson is an investment advisor representative with Fiduciary Capital, Inc., a registered investment advisor. Opinions expressed are for educational purposes only and do not constitute specific individual advice. RichLife Advisors does not offer legal or tax advice. Listeners are encouraged to discuss their financial needs with the appropriate professional regarding your individual circumstance.

Beau Henderson and RichLife Advisors are not associated with or endorsed by Medicare, the Social Security Administration, or any other government agency. Maximizing your Social Security benefits assumes foreknowledge of your date of death. Claiming later for a higher benefit may result in fewer benefits if you pass away earlier than expected. Investing in securities involves risk, including potential loss.

Are you missing one of the biggest tax-saving opportunities of your retirement life? In this episode, Beau Henderson breaks down the Tactical Roth Conversion Strategy and why acting before December 31 could save retirees tens of thousands over time. 

In this tax-focused episode, Beau and producer Bruce Steinbrock go deep on why Roth conversions aren’t just a good idea  —  they’re a foundational tool for lowering your lifetime tax burden.  

Beau unpacks the often-overlooked dangers of required minimum distributions (RMDs), how rising tax brackets after a spouse passes can blindside retirees, and how IRAs are essentially “IOUs to the IRS” unless handled with precision. From Medicare surcharges to the widow penalty to the impact of the Tax Cuts and Jobs Act sunset in 2026, this episode lays out exactly how proactive tax planning can make or break a retirement plan.

Takeaways

• Roth conversions must be planned annually, not impulsively.
• IRA balances double in ~10 years — so delay = bigger tax hits later.
• Strategic planning can avoid the widow penalty.
• December 31 is the true deadline — not April 15.
• Medicare surcharges and tax brackets should be actively monitored.

Disclaimer: Converting an employer plan account or traditional IRA to a Roth IRA is a taxable event. Increased taxable income from the Roth IRA conversion may have several consequences, including, but not limited to a need for additional tax withholding or estimated tax payments, the loss of certain tax deductions and credits and higher taxes on Social Security benefits and higher Medicare premiums. Be sure to consult with a qualified tax advisor before making any decisions regarding your IRA.

References to protection or steady income apply only to fixed insurance products, not securities or investment advisory products. Guarantees depend on the insurance company's financial strength. Surrender charges apply for early withdrawal, which is taxed as ordinary income and may incur a 10% federal tax penalty if taken before age 59 and a half.

To learn more, visit www.RichLifeAdvisors.com

Connect with us:
https://www.facebook.com/RichLifeAdvisors/
https://www.youtube.com/@richlifeadvisors
https://www.linkedin.com/company/richlifeadvisors/
https://twitter.com/RichLifeAdvisor

Disclosure:
Beau Henderson is an investment advisor representative with Fiduciary Capital, Inc., a registered investment advisor. Opinions expressed are for educational purposes only and do not constitute specific individual advice. RichLife Advisors does not offer legal or tax advice. Listeners are encouraged to discuss their financial needs with the appropriate professional regarding your individual circumstance.

Beau Henderson and RichLife Advisors are not associated with or endorsed by Medicare, the Social Security Administration, or any other government agency. Maximizing your Social Security benefits assumes foreknowledge of your date of death. Claiming later for a higher benefit may result in fewer benefits if you pass away earlier than expected. Investing in securities involves risk, including potential loss.

Retirement income expert Tom Hegna joins Beau Henderson for a dynamic discussion on building wealth across generations.

In this special episode of the RichLife Retirement Show with Beau Henderson, they explore themes from Tom's latest book, Who Wants to Be a Millionaire?, created specifically to help Generations X, Y, and Z take control of their financial future.

With humor, heart, and decades of financial experience, Tom shares actionable advice for creating lasting wealth — starting with the basics of earning more, spending wisely, and investing in appreciating assets. He and Beau dive into practical concepts like the impact of car loans on retirement, the power of compound interest, and why delayed gratification can shape your entire financial trajectory.

Listeners will also learn how to identify their Ikigai — where passion meets profession — and why finding it can increase both income and fulfillment. The conversation covers financial literacy gaps, the importance of working with a knowledgeable advisor, and how to turn human capital into financial capital over a lifetime.

Tom candidly addresses two of the biggest wealth killers: divorce and excessive consumer debt. He backs this up with powerful math and real-world examples that illustrate how smart choices early in life can create financial flexibility and peace of mind later on.

The episode wraps with Tom’s take on living a “rich life” — traveling, golfing, making memories — and how anyone can access this lifestyle through thoughtful planning and consistent effort.

If you want to help your kids or grandkids gain financial confidence, or if you're starting your own journey toward financial clarity, this episode is packed with insights to get you moving in the right direction.

Disclaimer: Cryptocurrencies are not covered by either FDIC or SIPC insurance... Investing in securities involves risk, including potential loss... Guarantees depend on the insurance company's financial strength.

To learn more, visit www.RichLifeAdvisors.com

Connect with us:
https://www.facebook.com/RichLifeAdvisors/
https://www.youtube.com/@richlifeadvisors
https://www.linkedin.com/company/richlifeadvisors/
https://twitter.com/RichLifeAdvisor

Disclosure:
Beau Henderson is an investment advisor representative with Fiduciary Capital, Inc., a registered investment advisor. Opinions expressed are for educational purposes only and do not constitute specific individual advice. RichLife Advisors does not offer legal or tax advice. Listeners are encouraged to discuss their financial needs with the appropriate professional regarding your individual circumstance.

Beau Henderson and RichLife Advisors are not associated with or endorsed by Medicare, the Social Security Administration, or any other government agency. Maximizing your Social Security benefits assumes foreknowledge of your date of death. Claiming later for a higher benefit may result in fewer benefits if you pass away earlier than expected. Investing in securities involves risk, including potential loss.

Estate planning isn’t just about paperwork—it’s about peace of mind, legacy, and making life easier for those you love. 

In this impactful episode, Beau Henderson sits down with estate planning attorney Bill Rhoads to talk about the practical and emotional sides of planning your estate the right way. From avoiding heartbreaking beneficiary mistakes to understanding when a trust is actually necessary, this episode is packed with advice retirees and pre-retirees can’t afford to miss.

Bill shares the most common pitfalls he sees, including outdated beneficiary designations and lapsed insurance due to missed payments. 

He emphasizes simple but critical first steps like creating a will, assigning powers of attorney, and setting up automatic payments for policies. 

You’ll also hear cautionary tales, including how a $500,000 life insurance policy went to an ex-spouse—just because a form wasn’t updated. 

Bill also addresses more advanced topics like “allowance trusts” that protect heirs from themselves, how to plan for cognitive decline, and even how adult children can help aging parents with “estate planning up” — strategies that can reduce family tax burdens and preserve more wealth across generations.

Key Takeaways:

• Why estate planning is one of the greatest gifts you can leave your family
• How to avoid costly mistakes with beneficiaries and insurance policies
• Why doing something—even if not perfect—is better than doing nothing
• The truth about trusts: when they’re needed, and when they’re oversold
• Planning for cognitive decline and protecting vulnerable family members
• How children can help aging parents make tax-smart decisions

Whether you’ve already done some estate planning or have been putting it off for years, this episode will give you the clarity and motivation to take action today.

Want to review your estate plan — or finally start one? Text RRR to 877-731-7424 to request our free Estate Planning Checklist and set up your RichLife Retirement Review today. 

To learn more, visit www.RichLifeAdvisors.com

Connect with us:
https://www.facebook.com/RichLifeAdvisors/
https://www.youtube.com/@richlifeadvisors
https://www.linkedin.com/company/richlifeadvisors/
https://twitter.com/RichLifeAdvisor

Disclosure:
Beau Henderson is an investment advisor representative with Fiduciary Capital, Inc., a registered investment advisor. Opinions expressed are for educational purposes only and do not constitute specific individual advice. RichLife Advisors does not offer legal or tax advice. Listeners are encouraged to discuss their financial needs with the appropriate professional regarding your individual circumstance.

Beau Henderson and RichLife Advisors are not associated with or endorsed by Medicare, the Social Security Administration, or any other government agency. Maximizing your Social Security benefits assumes foreknowledge of your date of death. Claiming later for a higher benefit may result in fewer benefits if you pass away earlier than expected. Investing in securities involves risk, including potential loss.

Ancient Wisdom Meets Modern Income Planning

This is a unique conversation that blends timeless life philosophy with essential financial planning strategies.

Beau begins by sharing a heartfelt story about a tender moment with his daughter at a father-daughter dance, illustrating the importance of presence and purpose in both life and retirement. 

This personal anecdote seamlessly sets the stage for the episode’s core theme—drawing on the Japanese philosophy of ikigai, or “reason for being,” and how aligning passion, mission, vocation, and profession can lead to a fulfilling, healthy life well into retirement.

Beau also unpacks practical ways listeners can apply ikigai principles while still addressing real-world financial needs. The conversation evolves into how living a long, healthy life also requires strategic income planning. 

Topics include the importance of a written income plan, Social Security optimization, dynamic income distribution, and the crucial role of micro tax planning. Beau breaks down the five pillars of a successful retirement strategy: income, investments, tax planning, health care, and legacy planning.

Listeners will walk away with powerful insights into how to plan not just for longevity, but for a vibrant life that aligns with personal values and goals. Whether you're approaching retirement or already there, this episode equips you with the tools to think bigger and plan smarter.

Key Takeaways:

• Discover how ancient wisdom like ikigai can influence your retirement mindset
• Learn the components of a reliable income plan and how to avoid common pitfalls
• Find out how to prepare for inflation, taxes, and health care costs with confidence
• Get actionable strategies to help make your money last and your life feel truly rich

Ready to build your RichLife Retirement Roadmap? Text RRR to 877-731-RICH or visit https://www.RichLifeAdvisors.com to schedule your personal RichLife Retirement Roadmap Review.

To learn more, visit www.RichLifeAdvisors.com

Connect with us:
https://www.facebook.com/RichLifeAdvisors/
https://www.youtube.com/@richlifeadvisors
https://www.linkedin.com/company/richlifeadvisors/
https://twitter.com/RichLifeAdvisor

Disclosure:
Beau Henderson is an investment advisor representative with Fiduciary Capital, Inc., a registered investment advisor. Opinions expressed are for educational purposes only and do not constitute specific individual advice. RichLife Advisors does not offer legal or tax advice. Listeners are encouraged to discuss their financial needs with the appropriate professional regarding your individual circumstance.

Beau Henderson and RichLife Advisors are not associated with or endorsed by Medicare, the Social Security Administration, or any other government agency. Maximizing your Social Security benefits assumes foreknowledge of your date of death. Claiming later for a higher benefit may result in fewer benefits if you pass away earlier than expected. Investing in securities involves risk, including potential loss.