A Closer Look At Your Social Security Benefits

A Closer Look At Your Social Security Benefits
[When presenting in AR, CA, IL, OK or TX use the phrase, “Insurance Sales Presentation”] [Add LIC# in CA & AR] Prudential Annuities, its distributors and representatives do not provide tax, accounting, or legal advice. Please consult your own attorney or accountant.

[REQUIRED SLIDE FOR MERRILL LYNCH EVENTS ONLY]
Bank of America Corporation (“Bank of America”) is a financial holding company that, through its subsidiaries and affiliated companies, provides banking and investment products and other financial services . Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (“MLPF&S”), a registered broker-dealer and member SIPC, and other subsidiaries of Bank of America Corporation (“BAC”). Investment products offered through MLPF&S and insurance and annuity products offered through Merrill Lynch Life Agency Inc.: Merrill Lynch Life Agency Inc. is a licensed insurance agency and a wholly owned subsidiary of Bank of America Corporation. The views and opinions expressed in this presentation are not necessarily those of Bank of America Corporation; Merrill Lynch, Pierce, Fenner & Smith Incorporated; or any affiliates. Nothing discussed or suggested in these materials should be construed as permission to supersede or circumvent any Bank of America, Merrill Lynch, Pierce, Fenner & Smith Incorporated policies, procedures, rules, and guidelines. The benefit payment obligations arising under the annuity contract guarantees, rider guarantees, or optional benefits and any fixed account crediting rates or annuity payout rates are backed by the claims-paying ability of the issuing insurance company. Those payments and the responsibility to make them are not the obligations of Merrill Lynch or its affiliates ("Merrill Lynch"). Merrill Lynch does not guarantee the claims-paying ability of the issuing insurance company. Are Not FDIC Insured May Lose Value Are Not Bank Guaranteed Are Not Insured by Any Federal Government Agency Are Not Deposits Are Not a Condition to Any Banking Service or Activity [For Merrill Lynch: Review Slide with participants.]

[For Allstate Financial Services only: This slide must be shown prior to the beginning of the customer presentation] [Hosted/Presented by:] [PFR Name] Personal Financial Representative [Allstate Financial Services, LLC or LSA Securities (in LA & PA)] [Optional Slide] Securities offered by Personal Financial Representatives through Allstate Financial Services, LLC (LSA Securities in LA and PA). Registered Broker-Dealer. Member FINRA, SIPC. Main Office: 2920 South 84th Street, Lincoln, NE (877)

This guide presents a general overview of certain rules related to Social Security and the ideas presented are not individualized for your particular situation. This information is based on current law which can be changed at any time. [Read Slide.]

Agenda Individual Benefits Spousal Benefits
Social Security Maximization Strategies Over the next hour, we will discuss the following items.

Funding and Calculation of Benefits
Becoming eligible 40 quarters of wages that were subject to Social Security payroll taxes Quarters do not need to be consecutive Benefits calculated based on average of the 35 highest years of earnings $0 used in all years less than 35 Will result in a lower benefit If you pay taxes into Social Security, it does not automatically make you eligible to receive benefits. To be eligible to receive Social Security benefits, you must work and pay Social Security taxes for 40 quarters. The quarters do not need to be consecutive, nor do they expire. Once a taxpayer has worked and paid Social Security taxes for the 40 quarters, he/she is eligible to receive benefits. [CLICK]Benefits are calculated by averaging the 35 highest years of income. If a taxpayer does not have 35 years of earnings history, those years will count as $0 in the calculation. As a result, this will lower the benefits the taxpayer will receive as it will have the effect of lowering the average. Source: SSA Publication No , ICN , February 2012

When Is My Full Retirement Age (FRA)?
Date of Birth Full Retirement Age 66 1955 66 and 2 months 1956 66 and 4 months 1957 66 and 6 months 1958 66 and 8 months 1959 66 and 10 months 1960 and later 67 Full retirement age is the age at which you can begin to collect full Social Security retirement benefits without any reductions. When will you reach your full retirement age? [Read Slide] Source: as of October 2012

Can I Take My Benefits Early?
Age FRA 66 62 25% reduction 63 20% reduction 64 13.3% reduction 65 6.7% reduction 66 full benefits Age FRA 67 62 30% reduction 63 25% reduction 64 20% reduction 65 13.3% reduction 66 6.7% reduction 67 full benefits It is important to know your full retirement age because if you take Social Security early, age 62 being the earliest possible age, your benefits will be reduced. Depending on when your full retirement age is, your Social Security benefit may be reduced as much as 30%. It is also important to remember that that reduced benefit would generally be your permanent benefit for the rest of your life. Source: as of October 2012

Taking Benefits and Working
Retirement Earnings Test Under Full Retirement Age (FRA) Give up $1 in benefits for every $2 you earn above a $15,120 limit In the year you reach Full Retirement Age (FRA) Give up $1 in benefits for every $3 you earn above a $40,080 limit If you are at Full Retirement Age (FRA) No penalty [OPTIONAL SLIDE] Besides age, there are other factors to consider when determining when to begin your Social Security payments. Depending on your age, if you are still working and collecting Social Security benefits, your benefits could be reduced. [READ SLIDE] Source: as of October 2012

Working While Collecting Social Security
John is age 62 with a $12,000 annual benefit Still working, earns $25,000 per year $9,880 over the earnings threshold Will give up $4,940 of benefits Receives only $7,060 in benefits this year At full retirement age, no longer any benefit reduction [Optional Slide] Let’s look at an example of how working while collecting Social Security can affect your benefit. Let’s meet John. His benefit at age 62 is $12,000. This reflects all reductions since he is below full retirement age. He also is still working, earning $25,000. He is $9,880 over the threshold ($25,000 – $15,120). This means his benefit is reduced $4,940 – and instead of receiving $12,000 he will only receive $7,060 ($12,000 – $4,940). This is a hypothetical example for illustrative purposes only.

Benefits of Waiting Increase in benefits for clients with
Full Retirement Age (FRA) of 66/67 Age FRA 66 67 8% increase 68 16% increase 69 24% increase 70 32% increase Age FRA 67 68 8% increase 69 16% increase 70 24% increase If you decide to wait until after your full retirement age, your Social Security benefits may be increased. From your full retirement age until you reach age 70, for every year you delay taking your Social Security benefits, your benefits will increase by 8%. After age 70, while it is possible to delay taking your benefits, the 8% increase does not continue. This means there is no incentive to delay taking benefits after age 70. [Read Slide] Source: as of October 2012

Social Security Maximization Strategy
Break even Points: Age 70 vs. 66: Age 81 Age 66 vs. 62: Age 76 Age 70 vs. 62: Age 79 When should you take Social Security? Let’s look at some examples of breakeven points based on the age you decide to take your Social Security benefits. None of us know for sure how long we’ll actually live, but let’s make some assumptions for the purposes of our examples. For those that expect to live to or beyond their life expectancy, it may make sense to delay taking Social Security benefits. Let’s assume that you will receive a 3% cost-of-living adjustment every year: take distributions at age 62 (assuming a payment of $1500), the total Social Security benefit at age 95 is $1,039,143 take distributions at age 66 (assuming a payment of $2000), the total Social Security benefit at age 95 is $1,285,117 take distributions at age 70 (assuming a payment of $2640), the total Social Security benefit at age 95 is $1,531,112 Even if you don’t live to 95 it may make sense to delay benefits. If you delay taking distributions until:[CLICK] 66 instead of 62, and you live past age 76, you will receive more Social Security benefits.[CLICK] 70 instead of 62, and you live past age 79, you will receive more Social Security benefits.[CLICK] 70 instead of 66 and live past age 81, you will receive more Social Security benefits. The longer you live past those “breakeven points,” the more benefits you will receive. This is a hypothetical example for illustrative purposes only. This assumes a full retirement age benefit of $24,000 a year, an annual cost of living adjust of 3%, and the client living to age 95.

Taxation of Social Security Benefits
Benefits may be taxable depending on the amount of your provisional income Provisional Income includes: ½ Social Security benefits Income from municipal bonds Wages Business income Interest Capital gains Dividends Traditional IRA distributions Rental income And more… Provisional Income does not include: Tax-deferred build-up inside IRAs, 401(k)s and annuities Income from Roth IRAs Non-taxable income from life insurance [Read slide] Your Social Security benefits may be taxable depending on the amount of your provisional income. Your provisional income equals ½ of your Social Security benefit plus other income you have received during the year, even tax-free savings bond interest. Once you have determined the amount of your provisional income, you can determine how much of your Social Security benefit will be taxable.

Taxation of Social Security Benefits
Benefits only taxable if provisional income exceeds: Married Filing Jointly $32,000 = Social Security not taxable $32,000 - $44,000 = up to 50% taxable Above $44,000 = up to 85% taxable Single or Head of Household $25,000 = Social Security not taxable $25,000 - $34,000 = up to 50% taxable Above $34,000 = up to 85% taxable There are taxation thresholds that were put into place in 1983 with the idea that only wealthy individuals would be paying these taxes. These thresholds are not indexed for inflation and the numbers of middle class people paying these taxes—and the amounts that they pay—are only increasing. The thresholds are as follows: Single persons: $25,000 Married couples filing a joint return: $32,000 Source: as of October 2012 Prudential Annuities, its distributors and representatives do not provide tax, accounting, or legal advice. Please consult your own attorney or accountant.

Spousal Benefits Now that we have discussed individual benefits, let’s move on to spousal benefits.

Spousal Benefits Married individuals can claim Social Security benefits based on Personal earnings record, or Spouse’s earnings record If electing based on spouse’s earnings record Spousal benefit is up to 50% of their spouse’s Social Security benefit Cannot claim spousal benefit until the spouse files for benefits [OPTIONAL SLIDE] It should be noted that it is possible to receive benefits even if the taxpayer never worked or did not have enough credits to be eligible for benefits. Someone who is married can receive Social Security benefits based on their spouse’s earnings history. If a married taxpayer has met the 40 quarter requirement, he or she can elect to receive benefits based on their own personal earnings record or their spouse’s. [CLICK]A spousal benefit is up to 50% of the working spouse’s Social Security benefit. However, the spouse cannot claim spousal benefits until the working spouse files for benefits. Source: as of October 2012

Spousal Benefit How is the spouse’s benefit calculated?
Gary’s full retirement age benefit: $2,000 Amy has no earnings history Amy is entitled to the greater of: 50% of Gary’s benefit: $1,000 Amy’s own benefit: $0 Amy’s benefit is increased to $1,000: The $1,000 increase is Amy’s spousal benefit Let’s look at how this would work for a married couple, Amy and Gary. Assume Gary has, at full retirement age, a Social Security benefit of $2,000. Amy has no earnings history. Amy would be entitled to $1,000. Why? Half of her husband’s benefit is $1,000, and since Amy has no benefit on her own, her spousal benefit will be $1,000.

Taking Spousal Benefits Early
Lower-earning spouse files for benefits before Full Retirement Age (FRA) Own benefit reduced Spousal benefit reduced as well Age % Reduced FRA 66 62 35% spousal benefit 63 37.5% spousal benefit 64 41.7% spousal benefit 65 45.8% spousal benefit 66 50% spousal benefit Age % Reduced FRA 67 62 32.5% spousal benefit 63 35% spousal benefit 64 37.5% spousal benefit 65 41.7% spousal benefit 66 45.8% spousal benefit 67 50% spousal benefit Now let’s look at how a spousal benefit can be reduced. If the lower-earning spouse takes Social Security before they reach their full retirement age, not only will their own benefit be reduced as we showed earlier, but the spousal benefit, if taken, will be reduced as well. These tables show spousal benefit percentage reductions. Source: as of October 2012

Reduced Spousal Benefit
Amy, the lower earning spouse, files for benefits before her full retirement age Gary’s FRA benefit: $2,000 Amy’s FRA benefit: $0 Amy’s FRA spousal benefit is $1,000 What if Amy takes benefits at age 62? At age 62, her spousal benefit is reduced to 35% of Gary’s FRA benefit ($2,000 x 35% = $700) Receives $700 per month instead of $1,000 per month Let’s look at an example with the same husband and wife. Here Amy decides to take her spousal benefit at age 62. If she takes benefits at age 62, assuming her full retirement age is 66, her spousal benefit will be reduced by 35%, leaving her with a Social Security benefit of $700. ($2000 X 35% = $700) This is a hypothetical example for illustrative purposes only.

Survivor Benefits Surviving spouse can receive or step up to the benefit of the deceased spouse If survivor is full retirement age, 100% of spouse’s benefit Generally survivor benefits begin at age 60 Survivor benefits reduced if received before full retirement age – up to 28.5% Exceptions for surviving spouse with children who are under 19 Survivor can switch to his or her own benefits Advantageous if greater when full retirement age reached Another way a spouse can receive Social Security benefits is when his/her spouse passes away. This type of benefit is known as survivor benefits. If the surviving spouse is at full retirement age, the benefit will step up to 100% of the deceased spouse’s benefit. Survivor benefits can start as early as age 60, but if they begin this early the benefit will be reduced. It is important to remember that a spouse can collect survivor benefits, and at some later point switch over to his/her own benefits. In other words, collecting survivor benefits will not have an effect on your own benefits. Source: as of October 2012

Social Security and Other Pension Benefits
Government Pension Offset Affects spousal / survivor benefits if the spouse / survivor has a pension from a government 2/3 of what you receive from your government pension will be subtracted from your Social Security benefit Windfall Elimination Provision If you work for an employer who does not withhold Social Security taxes from your salary, such as a government agency, any pension you receive based on that work may reduce your Social Security benefits up to 50% Pension from an employer where Social Security taxes were paid is not taken into consideration [Optional Slide] [Read Slide]

Can I Collect Benefits from a Divorced Spouse?
Possible to collect benefits from a divorced spouse Survivor benefits Retirement benefits Retirement benefits: Your marriage lasted at least 10 years Cannot be remarried Your ex-spouse is entitled to Social Security Survivor benefits: Marriage lasted for 10 years At least age 60 or older Cannot remarry until over age 60 If you are divorced, you can still collect benefits from your ex-spouse’s Social Security record as long as the marriage lasted at least 10 years. In other words, when determining your benefits, you will calculate them as if you are still married. If your divorced ex-spouse has passed away, you can collect survivor benefits so long as the marriage lasted for at least 10 years, you are age 60 or older and you don’t remarry until over age 60 (unless the latter marriage ends, whether by death, divorce, or annulment). Source: as of October 2012

Social Security Maximization Strategies
The last section we will cover today involves strategies to maximize Social Security.

Age 62 Jen and Matt are married and both 62 years old 66 Matt’s full monthly Social Security benefit at age 66 will be $2,000 85 Matt dies at age 85 92 Jen dies at age 92 Let’s look at an example involving Matt and Jen. This couple is considering different options for beginning their social security benefits. [Read Slide.] What are their options? Jen stayed home and raised the family, so she has no earned Social Security benefits of her own This is a hypothetical example for illustrative purposes only.

Option 1: File Early At Age 62 Matt files, lives 23 years Reduced benefit of $1,500 month / $18,000 year for 23 years Jen files, lives 30 years Option number one is for Matt and Jen to both begin benefits at age 62. Since Jen does not have a Social Security record of her own, she will need Matt to file for benefits to enable her to become eligible for spousal benefits. The first option is to have Matt file for his Social Security benefit today. When he does this, Jen will become eligible to begin her spousal benefits. Since she is below her full retirement age, instead of 50% of Matt’s benefit, she will receive 35% of Matt’s benefit. Since Matt is also below full retirement age, his benefit will have a 25% reduction – so instead of the $2,000 per month he is entitled to at age 66, he will receive $1,500 per month. Assuming that Matt lives until age 85 and Jen lives until age 92, Matt will receive his $18,000 per year payment for the next 23 years. Note that this figure could increase for Social Security Cost of Living Adjustments (COLA). Jen will receive her own spousal benefit for the next 23 years until Matt dies. At that point, she will begin her survivor benefit. Since Matt began his social security benefit before his full retirement age and Jen is beginning her survival benefit after her full retirement age, she will receive 82.5% of Matt’s full retirement age benefit. If this rule did not exist Jen’s survivor benefits would only increase to what Matt was receiving - $1,500. Because of this rule though her benefit will increase to $1,650 per month .Note that figure could be larger if there are COLAs. Reduced spousal benefit of $700 month / $8,400 year for 23 years Survivor benefit of $1,650 month / $19,800 year for 7 years This is a hypothetical example for illustrative purposes only.

Option 2: File At Full Retirement Age Matt files at 66, lives 19 years Receives $2,000 per month / $24,000 per year Jen files at 66, lives 26 years Option #2 is for Matt and Jen to both file at age 66. [Read slide] Receives $1,000 per month / $12,000 per year for 19 years Survivor benefits of $2,000 month / $24,000 year for 7 years This is a hypothetical example for illustrative purposes only.

Option 3: Matt Files & Suspends Matt files at 66, lives 19 years, suspends benefits until age 70 At age 70 receives $2,640 per month / $31,680 per year Jen files at 66, lives 26 years Anther option is for Matt to file at age 66, but then immediately suspend his benefits. By doing this he will not begin receiving his Social Security benefits yet, but Jen can begin to receive her spousal benefits. At age 70, Matt will begin his Social Security benefits. [Read Slide] Receives $1,000 per month / $12,000 per year for 19 years Survivor benefits of $2,640 month / $31,680 year for 7 years This is a hypothetical example for illustrative purposes only.

Matt and Jen Claim at 62 $414,000 in his benefits $193,200 in spousal benefits $138,600 in survivor benefit Total Payout: $745,800 Matt and Jen Claim at 66 $456,000 in his benefits $228,000 in spousal benefits $168,000 in survivor benefit Total Payout: $852,000 Matt Files & Suspends at 66 $475,200 in his benefits $228,000 in spousal benefits $221,760 in survivor benefit Total Payout: $924,960 Here are the total payout amounts for each of the different scenarios for Matt and Jen. Remember, this is all the same client and they could have chosen any of the options. The file and suspend strategy results in the largest dollar amount for both Matt and Jen. [CLICK in paragraph two] [CLICK in paragraph three] This is a hypothetical example for illustrative purposes only.

File and Suspend Increases benefits for couples who retire at different ages Things to remember Married couples are eligible for benefits based on their earnings history or their spouse’s earnings history You cannot collect on your spouse’s earnings history until your spouse files for benefits You can file for benefits and immediately suspend receiving those benefits Spouse who suspends the benefits continues to receive delayed retirement credits (DRC) “Suspending” spouse must have reached full retirement age Let’s review some important information about the File and Suspend strategy. It allows married couples who retire at different times to increase benefits. This approach works really well where one spouse has either no personal earnings history (i.e., homemaker) or a very limited earnings history. To understand the approach, it is important to remember a couple of things. [Read Slide or use below talking points] First, married couples are eligible to receive benefits based on their personal earnings history or their spouse’s earnings history. Second, individuals cannot collect spousal benefits until the their spouse files for benefits. Third, just because an individual files for benefits does not mean that the individual must receive those benefits. Fourth, if the spouse who files for benefits elects to suspend those benefits, the spouse will benefit from receiving DRC on the spouse’s personal benefits. And finally, and an important rule that must not be overlooked, the spouse who is filing for benefits and suspending those benefits must have reached FRA for this strategy to work. This is a hypothetical example for illustrative purposes only.

Age 62 66 70 85 92 Adam is looking to retire at age 70, his Social Security benefit will be $2,640 per month Adam dies at age 85 Meghan dies at age 92 Adam and Meghan are married and both 66 years old Meghan’s full monthly Social Security benefit at age 66 will be $1,500 per month Let’s look at an example involving a Adam and Meghan. This couple is considering different options for beginning their social security benefits. [Read Slide.] What are their options?[Click, Click, Click] This is a hypothetical example for illustrative purposes only.

Option 1: Meghan files and Adam waits Meghan files for benefits at age 66 She receives $1,500 per month / $18,000 per year for 19 years Survivor benefits of $2,640 month / $31,680 per year for 7 years Adam files in four years at age 70 Adam receives $2,640 per month / $31,680 per year for 15 years The first option is for Meghan to file for Social Security this year. Adam is looking to take advantage of the deferred retirement credits, so he will not begin his benefits until age 70. This is a hypothetical example for illustrative purposes only.

Option 2: Adam files a Restricted Application Meghan files at 66, her benefits are unaffected Entitled to 50% of Meghan’s benefit In the first four years he receives $750 per month / $9,000 per year At age 70, he switches to his own benefit Over the next 15 years, he receives $2,640 per month / $31,680 per year At age 66 Adam files a Restricted Application The second option is for Meghan to file for her benefits at age 66, the full retirement age for both she and Adam. By doing this, Adam is able to file for spousal benefits only – allowing him to receive 50% of Meghan’s benefit. This strategy does not affect his own benefit from increasing by 8% per year. When Adam reaches age 70, he will then switch to his own benefit. This is a hypothetical example for illustrative purposes only.

Meghan Files At 66 / Adam Files At 70 $475,200 in his benefits $342,000 in her benefits $221,760 in survivor benefit Total Payout: $1,038,960 Adam Uses Restricted Application $36,000 in spousal benefits $475,200 in his benefits $342,000 in her benefits $221,760 in survivor benefit Total Payout: $1,074,960 By using the restricted application strategy, from ages Adam is able to collect a total of $36,000 in benefits that he otherwise would not have been able to. [CLICK in paragraph 2] This is a hypothetical example for illustrative purposes only.

Restricted Application
Increases benefits for couples with their own earnings history who may be retiring at different ages Things to remember Individuals can collect spousal benefits and allow their personal earnings history benefits to receive delayed retirement credits You cannot collect benefits on your spouse’s earnings history until your spouse files for benefits You cannot file a restricted application until you have reached full retirement age Here are some important factors with this strategy. Like File and Suspend, this strategy increases the spousal benefit component of Social Security. However, in this case, this strategy can be used to increase benefits for married couples who have their own personal earnings history and would normally file for benefits using that history. Or put another way, the individual personal earnings history benefits are larger than the spousal benefits so it would normally not make sense to apply for spousal benefits. The big difference in this strategy is that we are assuming that spouses wish to retire at different ages, either due to an age spread or career choice. The important thing to remember is that an individual can collect spousal benefits at FRA and allow the individual’s personal earnings history benefit to collect DRC. Also, remember that we have been mentioning that an individual cannot collect spousal benefits until the spouse files for benefits. This is a hypothetical example for illustrative purposes only.

Retirement Income – Then and Now
“Social Security is the largest source of income for most elderly Americans today, but Social Security was never intended to be your only source of income when you retire. You also will need other savings, investments, pensions or retirement accounts to make sure you have enough money to live comfortably when you retire.” Without changes, in 2033 the Social Security Trust Fund will be able to pay only about 75 cents for each dollar of scheduled benefits.* Without changes, in 2033 the Social Security Trust Fund will be able to pay only about 75 cents for each dollar of scheduled benefits.* “Social Security is the largest source of income for most elderly Americans today, but Social Security was never intended to be your only source of income when you retire. You also will need other savings, investments, pensions or retirement accounts to make sure you have enough money to live comfortably when you retire.” As you think about how you will use Social Security as part of your retirement income plan – remember what the Social Security Administration says about their own program on their statements: [CLICK] [READ] Social Security is the largest source of income for most elderly Americans today, but it was never intended to be your only source of income when you retire. You also will need other savings, investments, pensions or retirement accounts to make sure you have enough money to live comfortably when you retire. [READ] Without changes, in 2033 the Social Security Trust Fund will be able to pay only about 75 cents for each dollar of scheduled benefits.* As you prepare for retirement you will need multiple sources of retirement income.

Retirement Income – Then and Now
Pensions are playing a smaller role for Americans as they prepare for retirement. The number of traditional employer pension plans has decreased from a peak of 175,000 in 1983 to fewer than 25,000 today (USAA, “Retirement Income: It’s Up To You Now”, 2012). As a result of this decline in pension plans, there is a greater emphasis on the need for increased personal saving and investing wisely. What strategies are available to help increase your Social Security benefits? Other than Social Security, what other guaranteed income sources do you have? How important is it to you to have a source of guaranteed income?

Summary Monitor your Social Security statements
Statements are now available online. Go to socialsecurity.gov to create a secure user account and view your statement Evaluate impact of commencement dates on your retirement plan Work with a Financial Professional to review your income sources and evaluate options for retirement income flexibility [Read Slide.]

Questions?

Disclosures Annuities are issued by Pruco Life Insurance Company (in New York, by Pruco Life Insurance Company of New Jersey), Newark, NJ and distributed by Prudential Annuities Distributors, Inc., Shelton, CT. All are Prudential Financial companies and each is solely responsible for its own financial condition and contractual obligations. This material was prepared to support the marketing of variable annuities. Prudential, its affiliates, its distributors and their respective representatives do not provide tax, accounting or legal advice. Any tax statements contained herein were not intended to be used for the purpose of avoiding U.S. federal, state or local tax penalties. Please consult your own independent advisor as to any tax or legal statements made herein. © Prudential Annuities, Prudential, the Prudential logo, the Rock symbol, and Bring Your Challenges are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide. [WO# ML MSA130006]

A Closer Look At Your Social Security Benefits

Similar presentations

Presentation on theme: "A Closer Look At Your Social Security Benefits"— Presentation transcript:

Similar presentations

About project

Feedback

Log in

Auth with social network:

A Closer Look At Your Social Security Benefits

Similar presentations

Presentation on theme: "A Closer Look At Your Social Security Benefits"— Presentation transcript:

Similar presentations

About project

Feedback