Unlocking the Secrets of Social Security: What you Need to Know Before you Claim

This class is for anyone who hasn’t yet started collecting Social Security and wants to make a smart, informed choice about when and how to claim benefits.

Social Security is not one-size-fits-all. Everyone’s situation is different—and if you understand the rules, you can decide what’s truly best for you.

Social Security is complicated—and the new Social Security Fairness Act of 2025 could change the rules even more. We’ll explain everything in plain, easy-to-understand language and walk through real-life case studies so you can see how different decisions play out. You’ll learn how key factors like your age, marital status, work history, and long-term goals affect your benefits—and how to avoid common and costly mistakes.

We’ll cover: How spousal and survivor benefits really work, what the new law could mean for your Social Security, and the pros and cons of different claiming strategies. Whether you’re single, married, divorced, or widowed, this session will give you the confidence and clarity you need to make the best Social Security decision for you.

The seminar will be led by Lucretia Ryan, of FinancialFreedomforWomen.org. She is a financial writer, educator, and philanthropist, dedicated to helping women make financial decisions that are in their best interest.