Your Social Security Decision

Eight Years of Choices. One Decision That Lasts a Lifetime.

More than four million Americans are turning 65 every year through 2027 — the largest wave in history — and most will claim Social Security without ever seeing the trade-offs side by side. Claiming at 62 versus 70 can change a monthly check by well over 40%, and the choice echoes through spousal benefits, survivor income, taxes, and Medicare premiums. This education-first session, led by Dr. Sam (Sourav) Saha with Rahul Agarwal, CPA, lays the rules out plainly so you can see what the decision really controls — and take an informed question list to the Social Security Administration and your own advisors.

What You'll Take Away

The Decision, in Three Parts

📊

01 · How the Numbers Move

62, full retirement age, and 70.

How benefits are reduced for early claiming and increased for delayed claiming, what full retirement age means for your birth year, how the earnings test works if you keep working, and why the “break-even” math is only part of the story.

👫

02 · Spousal & Survivor Rules

Two lifetimes, one strategy.

How spousal benefits, survivor benefits, divorced-spouse benefits, and the order in which a couple claims can change lifetime household income — and the common coordination mistakes couples make.

🧮

03 · Taxes, Medicare & the Rest of the Plan

The CPA side of claiming.

With Rahul Agarwal, CPA: how Social Security is taxed, how claiming age interacts with IRA withdrawals, Roth conversions, and Medicare premium surcharges (IRMAA), and how to fit the decision into a complete retirement income plan.

The Audience

Who This Seminar Is For

✓ Pre-retirees between roughly 58 and 70 who haven't yet claimed
✓ Couples who want to coordinate two benefits instead of deciding one at a time
✓ Divorced or widowed individuals unsure which benefits they qualify for
✓ People planning to work part-time in early retirement
✓ Adult children helping parents understand their options

Reserve Your Seat

Free Admission. RSVP Required.

Limited seats. Choose the date and format that work best for you.

Choose Your Date & Format *

Please choose a session.

First Name *

Please enter your first name.

Last Name *

Please enter your last name.

Email *

Please enter a valid email address.

Mobile Phone *

Please enter a 10-digit mobile number.

City *

Please enter your city.

State *

Please choose your state.

Invited By *

Please tell us who invited you (or type “Found it online”).

Guests Joining You optional

This information is for educational and follow-up purposes only. Submitting this form does not create a client relationship and does not constitute financial, tax, legal, insurance, investment, real estate, mortgage, or lending advice. A licensed professional will review your request and follow up as appropriate. Email and SMS communications are used only according to the consent selections provided above.

Questions

Frequently Asked Questions

Which dates and formats are available?+

How long is it?+

Is this really free?+

Yes. There is no cost to attend, no purchase required, and no obligation. Lithos hosts this seminar as part of our commitment to retirement education.

Will you try to sell me something?+

The seminar itself is educational. If you would like to talk about your own situation, you can request a complimentary one-on-one review afterward, where products and services may be discussed. It is entirely your choice, and attending creates no obligation.

Are you affiliated with the Social Security Administration?+

No. Lithos is a private financial services firm and is not affiliated with, endorsed by, or connected to the Social Security Administration or any government agency. Your official benefit estimates and claiming decisions are handled directly with the SSA at ssa.gov, free of charge.

Will you tell me the best age to claim?+

We'll show you how the rules work and what each choice trades away, with examples. The right age depends on your health, work plans, spouse, savings, and taxes — so the session is designed to help you make and discuss that decision, not to make it for you.

What's the difference between in-person and online?+

Same content, same speakers, same live Q&A. In-person attendees get printed take-home materials and face-to-face conversation; online attendees receive the materials digitally and the Zoom link by email after they RSVP (and again in the reminder an hour before). Choose whichever date and format fits your week.

Can I bring someone?+

Please do — the best decisions get made together. Tell us how many guests are joining you on the form, and after you RSVP you'll be able to send them a personal invitation so they get their own confirmation and reminders.

This seminar is educational. Nothing presented is personalized financial, investment, tax, legal, insurance, real estate, mortgage, lending, or medical advice, and no outcome is guaranteed. Insurance and annuity guarantees are backed solely by the claims-paying ability of the issuing insurer. Attendance carries no obligation. Attendees may request a complimentary review, where products and services may be discussed.

Lithos is not affiliated with, endorsed by, or connected to the Social Security Administration or any other government agency. Information about Social Security benefits is available free of charge from the Social Security Administration at ssa.gov or 1-800-772-1213. Benefit figures discussed are illustrative; your actual benefits are determined solely by the SSA.