The "SOCIAL SECURITY ELEPHANT" in the Room:

When, Why, and How Should You File?

This Complimentary Guide Will Show You Step-by-Step:

  • How your claiming age affects your monthly benefit
  • Key tax considerations to factor into your decision
  • A simple framework for deciding when to file
READ NOW
Elephant sitting on a bench facing a bright window in a minimalist room. With text: The

"This guide breaks down complex considerations and more than 2,700 Social Security claiming rules into an easy-to-follow decision flowchart."¹,²

Michael Rothrock, CFP®

Rock Capital Group

Icon of a globe

https://rockcapitalgrp.com/

Icon of an email

mrothrock@rockcapitalgrp.com

Icon of a telephone

(610) 392-5227

Sources

  1. Social Security Administration, 2026 [URL: https://www.ssa.gov/OP_Home/handbook/handbook-toc.html]

  2. AMAC Foundation, 2024 [URL: https://amacfoundation.org/social-security-myths-and-misunderstandings]

Risk Disclosure: Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance does not guarantee future results.

This material is for information purposes only and is not intended as an offer or solicitation with respect to the purchase or sale of any security. The content is developed from sources believed to be providing accurate information; no warranty, expressed or implied, is made regarding accuracy, adequacy, completeness, legality, reliability, or usefulness of any information. Consult your financial professional before making any investment decision. For illustrative use only.

This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific situation with a qualified tax professional.

This information is not affiliated with or endorsed by the Social Security Administration or any government agency.

HTK does not accept time-sensitive or action-oriented messages delivered via e-mail, including authorization to “buy” or “sell” a security or instructions to conduct any other financial transaction. This email and any attachments are intended solely for the use of the individual or entity to whom they are addressed.  They may contain confidential and/or privileged information.  If you are not the intended recipient, please notify the sender immediately by reply email and delete this message and any attachments from your system.  Any unauthorized use, disclosure, or copying of this email or any attachments is strictly prohibited.  

 

Hornor, Townsend & Kent, LLC is a registered broker dealer and a member of FINRA/SIPC.  Hornor, Townsend & Kent, LLC also operates as a Registered Investment Advisor (RIA) registered with the Securities and Exchange Commission. 1847Financial, LLC is affiliated with HTK.  Any other business entity or name that your financial professional markets their securities and advisory services under is not affiliated with HTK.

 

Securities and investment advisory services offered by Hornor, Townsend & Kent, LLC are subject to various laws and regulations and these services are dependent on the registration of the Financial Professional. Past performance is not indicative of future results.  This email is not an offer to buy or sell securities, and it is not intended to provide specific investment advice or recommendations.

 

Email communication is not secure and may be subject to review by supervisory personnel.  If you have received this email in error, please notify us immediately.  For more information about our services, please visit our website at www.htk.com.

Registered representative of, and securities and investment advisory services offered through Hornor, Townsend & Kent, LLC (HTK), Registered Investment Adviser, Member FINRA/SIPC, 800-873-7637, www.htk.com. Rock Capital Group is unaffiliated with HTK. HTK does not offer tax or legal advice. Always consult a qualified adviser regarding your individual circumstances.

✕

WAIT!

Many Americans could increase lifetime retirement spending by rethinking when they claim Social Security.

But there's no one-size-fits-all answer.

Before you decide, see how to evaluate your options in this complimentary guide.

We never spam. By clicking this button, you consent to be contacted by Michael Rothrock, CFP® by phone, email, and/or automated SMS. You may unsubscribe at any time. Consent is not a condition of receiving services.

✕
Elephant sitting on a bench facing a bright window in a minimalist room. With text: The

Did you know there are more than 2,700 rules governing Social Security benefits?

This complimentary guide gives you simple answers to when, why, and how to file for Social Security.

We never spam. By clicking this button, you consent to be contacted by Michael Rothrock, CFP® by phone, email, and/or automated SMS. You may unsubscribe at any time. Consent is not a condition of receiving services.