wayne.fourman@cfdinvestments.com

Social Security Guidance + 401(k) Income Planning

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I’m Wayne Fourman, helping adults age 50+ in Greenville and the Dayton, Ohio area build a clear, confident retirement plan—combining smart Social Security timing with tax‑efficient 401(k) and IRA income strategies. If you want dependable income and straightforward guidance for your retirement years, you’re in the right place.

How can I maximize Social Security income?

You can increase your total lifetime income by delaying your Social Security start date and using your 401(k) and other retirement assets to fill the gap. This coordinated approach raises your future Social Security benefit, strengthens a spouse’s lifetime income, and helps your combined retirement resources last longer.

If I begin receiving Social Security retirement benefits and continue working before full retirement age, will my reduced benefits be lost?

No, you don’t permanently lose benefits because of the earnings test. When you reach full retirement age, Social Security increases your monthly benefit to make up for each month it withheld payments because of earlier earnings.

Does federal income tax affect my Social Security benefit?

Federal income tax affects how much you keep, not how much Social Security pays you. Your monthly benefit stays the same; your tax return determines whether you owe tax on part of it.

Will your money outlive you, or will you outlive your money?

My Planning Process

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Achieving Potential Gains And Avoiding Losses

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^{New Social Security Benefits for Ohio Teachers}

Recent changes in eligibility for Social Security benefits and payment amounts may include new benefits or adjustments in existing benefits. These updates affect teachers, firefighters, police officers across Ohio and many other states, as well as federal employees under the Civil Service Retirement System. Determining eligibility is quick and easy—just a few minutes of your time! Social Security Planning for Dayton, Ohio area is available by calling Wayne Fourman at 937-548-5035 or visiting 425 Memorial Drive, Greenville, Ohio..

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Client Satisfaction Agreement

I work with clients from various localities. We can meet by phone, virtually in the comfort of your home/office or at my office.

Your first strategy session is at no charge and will take 30-60 minutes.

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Wayne Fourman

Your Financial Process Guide

(937) 548-5035

wayne.fourman@cfdinvestments.com

You don't have to be uncertain or feel overwhelmed about your financial future. I'll guide you through a process that gives you confidence in living a financially healthy life.