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Finishing Well

Dec 29, 2018

The second letter in Hebrew alphabet, Bet, means household. Jesus was born in Bethlehem, which translates to “house of bread”. In this new year,  is our household going to be a house of bread, are we going to be able to provide for our families?

Social Security is the first part of providing in retirement. Social Security spousal benefits are particularly interesting as many people do not know that they are leaving money on the table. If you do not set them up right, you might slice the bread a little thin.


Hans and Robby first talk about divorced couples. Many people do not know that as long as you were married for 10 years, you can collect off your ex-spouse's record, as long as you were not remarried before age 60. Really, Hans stresses that there are many steps you can take to make your Social Security check as large as it can be, you just have to plan for it.


Another situation Hans sees a lot is a couple where one spouse dies in their 70’s, while the other lives for 10-20 more years. This causes an extreme loss of income when the deceased spouse’s Social Security check goes away. Hans discusses how he prepares clients for this.


Lastly, Robby and Hans discuss the world’s largest annuity, which is Social Security and how it relates to the three legged stool!


Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on for free!


You can contact Hans and Cardinal by emailing or calling 919-535-8261. Learn more at