The "Tax Torpedo" Protocol: How $1M+ Households Optimize Social Security

The rules of Social Security change when you have a portfolio over $750k. Learn how to coordinate your benefits with your investments to avoid the "Tax Torpedo."

Most Social Security advice is designed for people who rely on it for 100% of their income. But if you have a 401k, an IRA, or other investments, standard advice can be dangerous.

For High-Net-Worth households, the wrong claiming strategy can trigger a "Tax Torpedo"—causing up to 85% of your benefits to be taxed and substantially increasing your Medicare premiums.

In this specialized workshop for women over 59, Aly Mc Farlane (a fiduciary and Partner at Wealthfolio Advisors) moves beyond the basics to discuss advanced income strategies.

We will cover:

• The "Gap" Strategy: Why claiming early might actually save your portfolio (and why waiting until 70 isn’t always the answer for wealthy women).
• The Widow’s Penalty: How to structure your claiming strategy to protect the surviving spouse from a massive drop in income.
• The Divorce Clause: Did you know you may be able to claim benefits on an ex-spouse’s record if you were married for 10+ years? We’ll explain.
• The Tax Interaction: How to draw from your portfolio now to reduce your tax bill later when RMDs (Required Minimum Distributions) hit.

Who is this for? This session is specifically designed for women with investable assets over $750k who are within 5 years of retirement.

Seats are limited to ensure Q&A time.