Many older Americans talk about their Social Security Retirement Benefits. What they often don’t address, however, is how they earned them. Most people know that your benefit payments are tied to your lifetime earnings and how long you waited to take them, but they don’t know anything more specific about how they work. Benefit payments…
Steven C. Johnson, ChFC®
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Steve is a Chartered Financial Consultant, designee (ChFC) and a veteran of the investment and financial planning industries who began his career in 1989 with a large national financial services firm as a Financial Advisor and Investment Management professional. In 2001, Steve joined Finivi and has served on their executive and investment committees since that time.
For over 27 years, he has been guiding individuals and families in helping achieve the retirement lifestyles they desire, through comprehensive retirement income planning, a keen understanding of the myriad of Social Security claiming strategies available to help maximize one's benefits, and by suitably aligning their retirement investment portfolios with their income and lifestyle goals.
Steve also serves as the Director of the firm's Financial Education and Corporate Financial Wellness Programs that deliver financial education workshops and webinars to individuals, public and private corporations, colleges and universities, and social and fraternal organizations throughout the country.
Steve's ability to take complex financial and investing topics and break them down into easy to understand and actionable ideas for both clients and workshop participants have made him a sought-after advisor and speaker on the topics of social security, retirement planning, and investment management.
Steve is also active in the industry having served as the Past President of the Worcester, MA Chapter of The Society of Financial Services Professionals (SFSP) and is an active member of the Financial Planning Association (FPA).
Steve and his wife Robin have three children and live in the beautiful Merrimack Valley area of Massachusetts.
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Recent Articles by Steven:
Social Security Claiming Options for Singles
Single retirees can sometimes feel left out of the Social Security conversation, since it seems to focus solely on how married couples can make the most of their benefits. But it’s a mistake to assume that there are no Social Security claiming strategies to maximize benefits for solo retirees. The fact of the matter is…
Making the case for Social Security education in the workplace
I have been a proponent of financial education and wellness programs in the workplace for over 20 years. Over that time frame, more and more employers have recognized that financial education can be one of the most valuable employee benefits they can offer their employees. A more financially confident employee is often a more productive…
The Earnings Test: Applying For Social Security Before Full Retirement Age
If your planning on taking your social security benefits before full retirement age and plan on continuing to work you will want to make yourself aware of the earnings test. The earnings test is only applied before full retirement age The earnings test reveals the amount you can earn each year prior to full retirement…
How President Trump, Melania, & Barron Could All Collect Social Security This Year
This may come as a surprise to many, but if you are eligible to collect social security retirement benefits and you still have a dependent child, your child may also qualify for benefits. That includes President Trump’s son Barron, whether he needs the money or not. But for others, this can be a welcome lifeline in…
Social Security: Will The Benefits Last?
When Social Security was established in 1935 by President Roosevelt, the benefits represented economic security to many in their retirement. The first monthly check was issued to Ida Mae Fuller of Ludlow, Vt. back in 1940. Her first check was $22.54, and she lived to age 100 passing away in 1975. Over her 35 years…
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