The Wrong Move With Social Security
Costs You Forever.
The age you claim is permanent. Most people decide without understanding the rules, the strategies, or what the 2026 changes actually mean for their situation. This free one-hour session with one of the country's leading Social Security experts changes that.
This is the information most people get ten years too late.
⚠ Seats are limited. Registration closes at capacity.
NSSA · Since 2001
Hamilton Morales
Senior Vice President, Financial Independence Group · National Social Security Advisor (NSSA)
Hamilton Morales has spent over two decades inside the Social Security system — learning how it works, where it fails people, and what the rules actually say versus what most people assume. He holds the National Social Security Advisor (NSSA) designation and serves as Senior Vice President at Financial Independence Group, where he oversees their national Social Security program. He knows this system as well as anyone in the country.
What he does with that knowledge is bring it directly to people who need it. Hamilton has appeared on financial planning podcasts and educational programs across the country, sharing Social Security strategy with tens of thousands of everyday Americans — not advisors, not institutions, people. His entire approach is built around one conviction: you deserve to understand exactly how this decision works before you make it, because once you do, you can't undo it.
The Stakes
This Decision
Cannot Be Undone
Every day we talk to people who filed without a plan. Most of them wish they'd waited.
Unlike most financial decisions, your Social Security claim is permanent the moment you make it. There's no amendment, no appeal, no do-over. The age you file, the strategy you use — or don't use — determines what you collect for the rest of your life.
The 2026 rule changes have shifted the math. If you haven't reviewed your strategy recently, you may be planning around numbers that no longer apply.
What You'll Discover
Six Things Covered
in One Hour
The Right Age to Claim
Claiming even 12 months too early locks in a permanent reduction — every month, for the rest of your life. Understand exactly what your birth year means for your number before you file.
Spousal & Survivor Strategies
How couples can coordinate benefits to maximize total lifetime household income — including strategies most divorced spouses never know to ask about.
Working While Collecting
The 2026 earnings test thresholds — know exactly how much you can earn before Social Security starts clawing money back from your check.
Tax-Smart Claiming
Up to 85% of your Social Security benefit can be taxable — and most people have no idea. Learn what triggers it and how smart income sequencing keeps more of your check out of the IRS's hands.
2026 Rule Changes
The updated COLA, new taxable earnings limits, revised FRA thresholds — and what they mean for your personal claiming decision right now.
Your Next Step
How to think through your own situation and walk away with clarity. Attendees will have the opportunity to book a private 1-on-1 session to get their specific questions answered.
What's New
Critical 2026 Changes
You Need to Know
Higher Taxable Earnings Cap
The maximum earnings subject to Social Security tax rises to $184,500 in 2026 — up from $176,100.
New Earnings Test Limits
If you're under FRA and still working, you can now earn up to $24,480/year before benefits are reduced.
Updated COLA
A 2.8% cost-of-living adjustment takes effect in 2026 — learn how to factor this into your retirement income plan.
FRA Thresholds Shifting
If you attain Full Retirement Age in 2026, the exempt earnings amount rises to $65,160/year.
You've Paid Into This
Your Whole Career.
Collect Every Dollar You're Owed.
One free hour on Wednesday, August 12th. No cost, no pitch, no obligation — just the information most people never get until it's too late.
No cost · No pitch · One hour.
⚠ Seats are limited — registration closes at capacity.
The Wrong Move With Social Security
Costs You Forever.
The age you claim is permanent. Most people decide without understanding the rules, the strategies, or what the 2026 changes actually mean for their situation. This free one-hour session with one of the country's leading Social Security experts changes that.
This is the information most people get ten years too late.
⚠ Seats are limited. Registration closes at capacity.
⚠ Seats are limited. Registration closes at capacity.
NSSA · Since 2001
Hamilton Morales
Senior Vice President, Financial Independence Group
National Social Security Advisor (NSSA)
Hamilton Morales has spent over two decades inside the Social Security system — learning how it works, where it fails people, and what the rules actually say versus what most people assume. He oversees FIG's national Social Security program and knows this system as well as anyone in the country.
What he does with that knowledge is bring it directly to people who need it. He has shared Social Security strategy with tens of thousands of everyday Americans — not advisors, not institutions, people. His conviction: you deserve to understand this decision before you make it, because once you do, you can't undo it.
This Decision
Cannot Be Undone
Every day we talk to people who filed without a plan. Most of them wish they'd waited.
Your Social Security claim is permanent the moment you make it. The age you file, the strategy you use — or don't use — determines what you collect for the rest of your life.
The 2026 rule changes have shifted the math. If you haven't reviewed your strategy recently, you may be planning around numbers that no longer apply.
Six Things Covered
in One Hour
The Right Age to Claim
Claiming even 12 months early locks in a permanent reduction — every month, for life. Know what your birth year means before you file.
Spousal & Survivor Strategies
How couples coordinate benefits to maximize lifetime household income — including what divorced spouses are often entitled to.
Working While Collecting
The 2026 earnings test — know exactly how much you can earn before Social Security claws money back from your check.
Tax-Smart Claiming
Up to 85% of your benefit can be taxable. Learn what triggers it and how to keep more of your check out of the IRS's hands.
2026 Rule Changes
Updated COLA, new earnings limits, revised FRA thresholds — and what they mean for your decision right now.
Your Next Step
Walk away with clarity on your situation. Attendees can book a private 1-on-1 session to get their specific questions answered.
Critical 2026 Changes
You Need to Know
Higher Taxable Earnings Cap
SS tax max rises to $184,500 in 2026 — up from $176,100.
New Earnings Test Limits
Under FRA? You can now earn up to $24,480/year before benefits are reduced.
Updated COLA
A 2.8% cost-of-living adjustment takes effect in 2026 — factor this into your retirement income plan.
FRA Thresholds Shifting
Attaining Full Retirement Age in 2026? The exempt earnings amount rises to $65,160/year.
You've Paid Into This
Your Whole Career.
Collect Every Dollar You're Owed.
One free hour. Tuesday, July 14th. No cost, no pitch — just the information most people never get until it's too late.
No cost · No pitch · One hour.
⚠ Seats are limited — registration closes at capacity.