BEGIN:VCALENDAR PRODID;X-RICAL-TZSOURCE=TZINFO:-//com.denhaven2/NONSGML ri_cal gem//EN CALSCALE:GREGORIAN VERSION:2.0 BEGIN:VEVENT DESCRIPTION:Contact:\nGeorge C. Chambers\nE:George@barlaschambers.com\nP: (727) 474-0382\nF: (727) 474-0381\n905 E. MLK\, Jr. Dr.\nSuite 660\nTarp on Springs\, FL 34689\nBARLAS &\; CHAMBERS\, LLC\nProtecting and Pres erving Your Legacy\nwww.BarlasChambers.com\nPress Release\nBarlas &\; Chambers Launches Social Security Timing ProgramWith so much at stake\, when and how to elect Social Security may be the most important decisio n middleincome retirees make.&ldquo\;Social Security Timing Help Retiree s Maximize their Social Security Benefit&rdquo\;Tarpon Springs\, January 9\, 2013:  \;\nBarlas &\; Chambers\, LLC today announced the lau nch of The Social Security Timing Program in the Greater Tampa Bay Area\ , which helps retirees uncover tens of thousands of dollars in additiona l Social Security benefits that mayhave otherwise been left on the table .\n"Whether to elect Social Security early or late is a decision virtual ly everyone will face\," said George Chambers\, Managing Partner of Barl as &\; Chambers\, LLC. We simultaneously calculate all combinations a cross the 728 possible election strategies in order to identifythe one t hat offers the highest lifetime benefit."\nBarlas &\; Chambers\, LLC has identified 4 techniques to correct Social Security Timing mistakes t hat can be used to reclaim some of the benefits if a retiree elected ear ly.\nOption 1: Pay it Back &ndash\; Within the firstyear after electing\ , retirees may choose to pay back their benefits and their record will r eset as though they never elected.\nOption 2: Go Back to Work &ndash\; R etirees mayreturn to work\, which will cause Social Security to reduce o r withhold their benefits due to the earnings test. This could potential ly increase your benefit when you reach Full Retirement Age (FRA).\nOpti on 3: Voluntarily Suspend &ndash\; Once a personreaches Full Retirement Age (FRA)\, they may voluntarily suspend benefits and get an 8% per year pay raise (plus cost of living adjustments) until age 70.\nOption 4: Ma ximize Spousal Benefits &ndash\; In the case where one spouse has alread y elected benefits\, the Barlas &\; Chambers Social Security Timing P rogram will identify the best of the remaining strategies for the spouse who has not yet elected.\nMany people do not realize that the Social Se curity Administration (SSA) personnel are trained to help retirees deter mine the largest monthly benefit on the day the retiree applies\, SSA pe rsonnel do not take into account your family or analyze the 728 possible strategies.\nThe Barlas &\; Chambers Social Security Timing Program could potentially increase your benefits by tens of thousands of dollars .\nThe following are just a few examples of the many strategies availabl e\;\n&ldquo\;We&rdquo\; not &ldquo\;Me&rdquo\; Decision &ndash\; If you are marriedthere are several savvy &ldquo\;switch&rdquo\; strategies you can implement.\n \nFile and Suspend &ndash\; This is ideal forcouples w here one spouse earned a larger income than the other spouse.\nTaking Tu rns to Retirement &ndash\; TheRestricted Application strategy is ideal f or couples who have comparable incomes.\nClaim the Hidden Legacy &ndash\ ; A surviving spousecan start to receive benefits at age 60.\nUncle Sam Pays Alimony &ndash\; A divorced spousecan also qualify for a benefit if the marriage lasted at least 10 years.\nPatience Pays Off &ndash\; Timi ng is Everything.\nThe Barlas &\; Chambers Social Security Timing Pro gram with the free "What's at Stake?" calculator are available for revie w at www.BarlasChambers.com.\nAbout Barlas &\; Chambers\, LLCOur goal is to make a beneficial difference in the lives of our clients. We take pride in the belief that no client is too small to benefit from our ser vices. \; We work as a team\, providing a collaborative approach to creating solutions that are tailored for each client.\nOur commitment to excellence is evidenced by the selection of our staff and the quality o f their work. We pride ourselves in having a team that sincerely cares\, really listens\, and puts the client&rsquo\;s interest before their own .\nVisit www.barlaschambers.comfor more information.\nRELATED LINKShttp: //www.barlaschambers.com URL:http://westchase.patch.com/events/the-barlas-chambers-social-security -timing-seminar SUMMARY:The Barlas &\; Chambers Social Security Timing Seminar LOCATION:Lucky Dill Deli: 33180 Us Highway 19 N\, Palm Harbor\, FL END:VEVENT END:VCALENDAR