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reduction of benefits. FRA is typically age 66–67, depending on the year you were born. So, for instance, if you have reached FRA of 67 but your higher-earning ex is 62, your 50% benefit will be reduced based on what his benefit at age 62 would be.


Other considerations are the poten- tial reduction in benefits if you have a government pension as well as the poten- tial reduction in benefits due to earned income if you take early retirement ben- efits (prior to FRA) and are still working. In short, there are many variables regard- ing social security benefits regardless of marital status. Before you apply, be sure to do your homework!


Thank you, Lise! Please remember, readers, that seeking personalized advice from qualified professionals can make certain decisions, such as financial impli- cations of divorce or when to take social security, much easier and less stressful.


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Dana R. Mascalo CFP®, RLP®, AAMS®, C(k)P® is a Manag- ing Partner with TrinityPoint Wealth, an independent SEC Registered Investment Advi- sory firm in Milford, CT and


· Certified Shamanic & Shapeshifting Practitioner · Registered Yoga Teacher: Gentle, Mixed, Shamanic · Certified Hypnotherapist & Regressionist · Spiritual Counselor, Mentor, Reader · Host “The Sacred Journey” TV Show · Workshops, Children’s Circles, Energy Healing · CT Justice of the Peace: Nature Inspired Ceremonies · International Retreats & Cruises: Shamanism, Yoga, & Psychic Development


Charlotte, NC. Dana advises high net worth clients with complex needs and is sought after by individuals, families, business owners, and executives all over CT and the United States. Acting as their personal CFO, Dana looks at a client’s entire finan- cial life with a visionary lens, advising on investment portfolios, retirement planning, stock options, life transitions, exit planning for business owners, customized advanced cash-flow planning, and multi-generational wealth transfer strategies. This material presented is for informa- tional purposes only and is not intended to serve as a substitute for personalized invest- ment advice or as a recommendation or so- licitation of any particular security, strategy, or investment product. TrinityPoint Wealth, nor its investment advisory representatives, are permitted to provide legal or tax advice, and nothing contained in these materials should be taken as legal or tax advice. See ad on page 32.


22 Natural Nutmeg May/June 2021


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