My Silver Promises

Your Clients Earned It. My Silver Promises Protects It.

What is My Silver Promises?

My Silver Promises is a Social Security income replacement plan. When one spouse dies, the household income is decreased by the lower of the two spouse’s Social Security income.

My Silver Promises will replace that lost monthly Social Security taxable income with 60, 120, 180, or 240 months of tax-exempt income.

Did You Know?

• 11,000 people are retiring daily.
  https://www.ssa.gov/news/press/factsheets/basicfact-alt.pdf
• 3 in 4 Americans are concerned that Social Security will run out of funds in their lifetime.
  https://www.cnbc.com/2025/01/15/worried-about-social-securitys-future-what-to-know-before-claiming-benefits.html#:~:text=A%202024%20survey%20from%20Nationwide,when%20they%20reach%20retirement%20age.
• 51% of Americans don’t know how much of their income in retirement will be from Social Security benefits.
  https://www.massmutual.com/global/media/shared/doc/2024_security_retirement_benefits_report.pdf
• 33% of Americans don’t know what age they would receive full benefits.
  https://www.massmutual.com/global/media/shared/doc/2024_security_retirement_benefits_report.pdf
• 1 in 3 Americans rely on Social Security for at least 50% or more of their retirement income.
  https://www.ssa.gov/news/press/factsheets/basicfact-alt.pdf
• Over $139,000 in benefits are left on the table per household.
  https://rssa.com/roadmap
• 96% of Americans do not optimize their benefits.
  https://www.cbsnews.com/news/study-says-retirees-lose-more-than-100k-by-claiming-social-security-at-the-wrong-time/#:~:text=Only%204%25%20of%20retirees%20claim,maxing%20out%20at%20age%2070.
• Survivor benefits are the most unclaimed benefits because of lack of education and understanding of timing and eligibility.
  https://unclaimedretirementbenefits.com