Today we examine one of your most significant Retirement decisions: when to start claiming Social Security benefits. Should you claim early, delay until age 70, or choose somewhere in between? We bring Clarity to this complex topic by presenting detailed financial calculations and scenarios to illustrate the impact of each choice on your retirement income.

Questions? Email us at Hans@CardinalGuide.com, call us at (919) 535-8261, or visit our website at https://cardinalguide.com/

Show Notes: https://cardinalguide.com/wp-content/uploads/2024/03/Delay-Social-Security_-Take-It-Now_-Wait-Til-70_Show-Notes.pdf

H E Scheil & Associates doing business as Cardinal Advisors holds an insurance license in all 50 states and DC. Listed below is the license # in each individual state. Alabama 675461, Alaska 100118081, Arizona 1800012348, Arkansas 100104794, California 0K32569, Colorado 464622, Connecticut 2463129, Delaware 1119857, DC 2887040, Florida L087124, Georgia 159539, Hawaii 445296, Idaho 507076, Illinois 100333675, Indiana 721739, Iowa. 1002056691, Kansas. 272705345, Kentucky 738674, Louisiana 614407, Maine AGN249408, Maryland 100048542, Massachusetts 2006645, Michigan 0104206, Minnesota 40411912, Mississippi 15016382, Missouri 8325733, Montana 100126008, Nebraska 100224332, Nevada 1007341, New Hampshire 2315847, New Jersey 1557889, New Mexico 1800010640, New York 1382342, North Carolina 1000092550, North Dakota 2000136230, Ohio 1028975, Oklahoma 100190853, Oregon 100237062, Pennsylvania 589318, Rhode Island 2309277, South Carolina 1907911784, South Dakota 10017719, Tennessee 2252224, Texas 1963111, Utah 513447, Vermont 1038574, Virginia 129027, Washington 864498, West Virginia 100107166, Wisconsin 100192273, Wyoming 275179

Most Recent Episodes

December 17, 2024

2025 Federal Income Tax – Brackets and Rates

In this video, Hans Scheil and Tom Griffith break down the 2025 tax brackets, explaining how they are adjusted for inflation and what this means for your Retirement Planning. While the tax rates...

Watch Now

November 12, 2024

Retirement Income Plan Cash Flow From Age 65-95 (TC 1 of 4)

In today’s Cardinal Lesson, we’re talking about retirement income planning—covering cash flow, paying taxes in retirement, and creating a financial plan that balances needs and wants. Meet Tom...

Watch Now

June 25, 2024

Inherited IRA? Be Smart About Income Tax

Have you just inherited an IRA, or are you naming beneficiaries on your IRA or 401k? Understanding the tax implications and distribution rules is crucial, especially after the SECURE Act changes. In...

Watch Now

Load More Episodes

Hans Scheil Hans “John” Scheil, CFP®

Hans “John” Scheil is the author of The Complete Cardinal Guide and has over 40 years of experience specializing in helping individuals at or near retirement. John’s insurance career began at the age of 18, when he sold insurance while attending college full time. His years in the insurance industry included positions as a Branch Manager, National Sales Director, and Senior Vice President for several nationally recognized insurance companies. John holds a Bachelor of Science degree from Northern Illinois University (1980) and a Master of Science in Management from The American College (2007).

John resides in Cary, North Carolina, with his wife, Ronda, and dog, Ellie, and has two grown sons. He is involved locally with StepUp Ministries and the Alzheimer’s Association. John enjoys golf, traveling the world, and leadership.