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Social Security Retirement 101: Retirement Planning Tips For Everyone

Approaching and preparing for retirement can be a daunting task.  The most important thing is to make an informed decision.  Before you apply, you should think about things such as your cash needs, your health, and whether anyone else in your family can get benefits on your record. Also, consider if you plan to work in retirement and if you have other sources of retirement income. In this seminar we will discuss some retirement planning tips together, just to make sure you’re on the right track for retirement, when the time comes.

Listen to the Podcast

  • 2:09 – Social Security is more than a Retirement program
  • 4:42 – Social Security is a defined benefit
  • 6:53 – How to qualify for Social Security Retirement
  • 8:39 – How Social Security determines your benefit
  • 12:02 – If you have a gap in your earnings
  • 13:08 – How work affects retirement benefits
  • 18:48 – Options for when to claim Social Security benefits
  • 22:03 – Online retirement calculator
  • 23:03 – Applying for benefits and how to contact Social Security
  • 25:42 – Questions
David Melton

Mr. Melton began his career with the Social Security Administration in September 1976 as a Claims Representative in the New Iberia, LA field office. During August 1979 he transferred to the Lake Charles, LA District Office and worked there as a Claims Representative, Operations Analyst, and Operations Supervisor. In June 1989, he transferred to the Winchester VA District Office. In June 1990, he was selected as the Field Representative for a 14-county district in Virginia and West Virginia that is serviced by the Winchester, Manassas, Culpeper and Martinsburg SSA field offices. He was responsible for the coordination of public information & education activities throughout the district. On March 6, 2005, Mr. Melton was selected as a Public Affairs Specialist for the Washington, D.C. Metropolitan Area. As a member of a 3-person public information team working in cooperation with 14 offices serving the District of Columbia, Maryland, Virginia and West Virginia, he is involved in a variety of public affairs activities. Through the establishment and maintenance of networks of working relationships, he consults with a wide variety of media outlets, governmental entities, special interest groups and key employers. He ensures the public is properly informed as to the solvency, direction and purpose of Social Security Administration programs. Mr. Melton also served as the Acting District Manager of the Martinsburg WV District Office on two occasions.

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Knowledgeable Aging®, LLC 2025 and the Knowledgeable Aging Speaker Series. The views, thoughts, and opinions expressed by the presenters of Knowledgeable Aging®, LLC webinars and speakers of the Knowledgeable Aging Speaker Series are solely those of the webinar presenters and/or Speaker Series speakers, and not necessarily those of Knowledgeable Aging®, LLC. or its employees, organization, committee(s) or other group or individual. The presented content does not provide or constitute medical, financial or legal advice. The content is for information purposes only. Viewing or listening to the content does not constitute a physician-patient, dentist-patient, fiduciary-client or attorney-client relationship.

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