Social Security is one of the most important — and most misunderstood — components of retirement planning. In this episode, host Phil Bender is joined by Thomas Drapala, Registered Director of Strategic Partnerships at Social Security Analysts (RSSA), to unpack the myths, misconceptions, and costly assumptions that lead many Americans to leave meaningful benefits unclaimed.

Phil and Tom discuss why Social Security decisions are often mishandled, why the benefit still matters for affluent and high-net-worth clients, and how advisors can use clarity in this area to build trust and confidence. They also cut through fear-based headlines to explain the realities surrounding Social Security’s long-term outlook and what advisors should understand before guiding clients through claiming decisions.

This conversation is a must-listen for advisors who want to deepen planning value, serve as stronger advocates, and lead with confidence in one of retirement’s most impactful decisions.

Episode Highlights

1. Common Social Security myths and why they persist
2. Costly assumptions clients and advisors often make
3. Why Social Security matters even for high-net-worth households
4. Separating headlines from reality on Social Security’s future
5. How RSSA certification strengthens advisor leadership and trust

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