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I recently once again was honored to be interviewed on the radio by Mr. Jim Ludwick. Jim is a CERTIFIED FINANCIAL PLANNERTM professional, and his practice is based in Odenton, Maryland with additional offices in Washington, DC, Santa Barbara, California, San Mateo, California, and New York City. Jim also is a fellow member of the Garrett Planning Network.
We discussed the recent new edition of my book, A Social Security Owner’s Manual, 2013 Edition, and the new information that has been provided there. We also reviewed some of the reasons that the Social Security benefits calculation process is so complex, as well as the concept that, in many cases, it can be more efficient to use IRA resources to help you get by until your Social Security benefits can be maximized.
I reviewed a case like this recently in an article at credit.com, entitled My Smartest Money Move: Taking More From My IRA. In that case, a retiree saved a boatload in interest and taxes by using his IRA in the early years, maximizing the amount of future income he’ll receive in Social Security benefits.
You can follow Jim’s radio program on BlogTalkRadio; his channel is Swim With Jim. The specific recent episode where I was interview is called Social Security Answer Man.
Sterling Raskie, MSFS, CFP®, ChFC®
The latest in our Owner’s Manual series, A 401(k) Owner’s Manual, was published in January 2020 and is available on 
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Social Security for the Suddenly Single can be found on Amazon at 
Sterling’s first book, Lose Weight Save Money, can be 
An IRA Owner’s Manual, 2nd Edition is available for purchase on Amazon. Click the link to choose the 
Jim’s book – A Social Security Owner’s Manual, is now available on Amazon. Click this link for the 
And if you’ve come here to learn about queuing waterfowl, I apologize for the confusion. You may want to discuss your question with Lester, my loyal watchduck and self-proclaimed “advisor’s advisor”.