In this informative seminar learn the important rules and strategies for collecting your retirement benefits. Learn when it's best to apply for and maximize benefits and how your benefits are affected by the age you apply. Learn the 5 factors to consider when it is best to delay benefits and when it is not. Learn how divorced-spouse benefits work and how working affects your benefits. Learn the two innovative strategies for coordinating spousal benefits and importantly how to coordinate Social Security with your other retirement income. The decisions made today can have an enormous effect on your total benefits received over your lifetime.  Spouses/partners are free.