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Fraser Allport, Fiduciary, offers Social Security Planning for Women : Special Series - Part 7 of 7

Experience Matters

Serving Clients since 1982

Fraser Allport - 41 Years of Excellence.

Fraser Allport, Fiduciary, offers Social Security Planning for Women : Special Series - Part 7 of 7

All Knowledge comes from Experience. ”
— Albert Einstein
DAYTONA BEACH SHORES, FL, UNITED STATES, May 17, 2023/ -- Fraser Allport, Fiduciary, offers Social Security Planning for Women : Special Series - Part 7 of 7

Preparing for retirement and attaining financial security is not an easy task for anyone, but women tend to face more hardships than men in this area. Before discussing what women need to know about Social Security, it is important to understand the obstacles women face.

The first obstacle Women face is that, historically, they spend less time in the workforce than their counterparts.
This is a result of several causes such as parental leave, or caregiving for a family member.

Women are also much more likely to work part-time.
Working less negatively affects many women because Social Security eligibility and benefit payments are based on how long we work and how much we earn.

Social Security benefits are not only calculated based on an individual’s earnings, but specifically their highest 35 years of earnings. Some women work less than the required 10 years, resulting in earning no benefit at all. Some Women never work the full 35 years. Each year without earnings will negatively impact the Social Security payment that she receives in the future.

In addition to less time in the workforce, the gender pay gap adds another hardship for Women.

In 2020, it was reported that women earn 83 cents for every dollar that a man makes. Social Security benefits are calculated based on an individual’s earnings. Therefore, the less income that a Woman has, the less Social Security benefits that she will receive.

On top of Social Security being negatively impacted by less time working and lower earnings, other sources of retirement income are also negatively affected.

Some employers offer pension plans and/or retirement savings plans such as 401(k) plans. When a woman works part- time or leaves her job for any reason, the employer and/or the woman may no longer contribute to these types of plans. Working less and earning less means less employment related retirement benefits for her.

One of the biggest obstacles women face when preparing for retirement is having a longer life expectancy.
Longevity is a positive thing, However, a longer life comes at a financial cost too.

When a woman lives longer, she needs more money. There are many associated costs with growing older and living longer, one of the largest being health and home care. As a result of living longer, women have the potential to outlive their money, and this “ Longevity Risk” is a big concern.

Knowing the obstacles women face is an important step in obtaining a secure financial retirement.
Knowledge is power. And what you do with that knowledge is key.

According to the Social Security Administration, Social Security is the major source of income for most of the elderly, especially for women.

Fraser Allport offers his Complimentary Special Report :
Retirement Planning for Women. ”

Schedule a Complimentary Consultation with Fraser Allport today at

The hardest part of any task in Life is simply starting it.
And the hardest part of starting a Retirement Plan is to simply call a Financial Professional.

Just Getting Started with a Retirement Planning relieves a person's apprehension and tension about the process.
Starting always makes a person feel better : They are on their way !

Procrastination is the # 1 problem when it comes to building a successful Retirement Plan.

Retirement does not just happen by accident, or by itself. It is not a given that one can retire.

Planning is a verb. Retirement Planning requires Action.

Time is Money, and Time does not come back. Start your Retirement Plan today.

A person need not work until their Death.

Bottom Line: A Woman should start to plan now for being self-sufficient in their Retirement years, independent of their Spouse.

And if a Woman sees Money, Risk, Savings, and Investing differently than her Spouse … than that Woman is wise to chart her own course, and build her own Financial Plan.


Knowing the unique obstacles Women face is an important first step in obtaining a secure financial retirement for a Woman.

Knowledge is power. And what a Woman does with that knowledge is her empowerment.

According to the Social Security Administration: “ Social Security is the major source of income for most of the elderly ”, especially for Women.

Social Security can provide Women with a strong foundation of financial protection if they take know how to advantage of what is available to them.

Fraser Allport helps Women learn which Social Security benefits they are eligible to receive: their own Benefit, a Survivor Benefit, or Spousal, or Divorced? Fraser will help a Woman understand the rules that apply to them, and when to choose the specific strategies that maximize their specific situation.

All Knowledge comes from Experience.

And Experience Matters. That's Fraser.

See Fraser's Bio', Services, and Educational Workshops, and Schedule a Complimentary Social Security Consultation with Fraser, at:

Talk with some of Fraser's Clients. References are available upon request.

Fraser also helps with any other financial questions on a person's mind as well, including Medicare, Income Taxes Portfolio Optimization and Estate Planning. How does one safely and wisely invest their " Nest Egg " upon Retirement?

Fraser practices holistic, integrated Retirement Planning for Teachers. Like a balanced diet ... Fraser builds balanced Retirement Plans.

Think of one's financial Life as a puzzle: All the pieces of a person's Retirement Plan need to fit together into a comprehensive whole.

Fraser builds integrated and holistic Financial Plans for his Clients, like building a balanced Nutritional Plan. It's all about synergy and Balance.

Fraser is a Fiduciary and Certified Estate Planner with 41 Years of Experience.

Fraser can help a person with Retirement and Estate Planning, Income Taxes, Social Security and Medicare.

Fraser also specializes in the Florida Retirement System's DROP Program.
Please see Fraser's DROP and Medicare Library at:

Fraser can also help a person learn more about the various aspects of Florida’s DROP, 403(b), and 457 Deferred Compensation Plan.
Fraser works across all of Florida, and can also work in all 50 States.

As Fraser says ...

If a person gets smart with their Money ...
They will have more of it.

To afford the large and inevitable expenses that a person will spend on medical care in retirement as they age, they should budget accordingly in their Financial Plan. It's logical and an imperative : Don’t forget to factor in Out-of-Pocket Health Care costs when calculating Financial Planning in Retirement.

Fraser Allport, a Fiduciary and Certified Estate Planner, is licensed to assist a person with Medicare, Medicare Advantage Plans, Part D Drug Plans, Home Health Care and Long-Term Care Plans, and Medicare Supplement Plans.

The finishing touch to every good Financial Plan is Estate Planning.

A licensed Fiduciary is legally and ethically obligated to act in a person's Best Interest, and can help navigate the ins and outs of Estate Taxes, Life Insurance, Wills and Trusts, and more. Since 1982, that's what Fraser has been doing for 41 Years. Experience Matters.

Fraser Allport is a Certified Estate Planner ™ , and can help craft a lasting Estate Plan.
When a person dies … They want to Leave A Legacy, not A Mess.

An Estate Plan is about properly and easily passing one's entire Life's work and Assets.
See Fraser's Estate Planning Credentials and Services at :

Fraser Allport is a Fiduciary and Certified Estate Planner ™ with 41 Years of Experience.
Experience Matters.

Fraser is the way that is used to be. Fraser is the way that it's supposed to be.
With 41 Years of Experience ... Fraser is The Advisor that a person keeps for Life.

Fraser's website also has a link to Google Reviews from his Clients.
Read what Fraser's Clients say about their experience with him.

Read Fraser's Client Google Reviews at :,1,,,%60

The Total Advisor, LLC is an Independent Retirement, Social Security, Medicare, Income Tax, and Estate Planning Firm owned by Fraser Allport. Investment Advisory Services are offered through Coppell Advisory Solutions, LLC, dba Fusion Capital Management, an SEC Registered Investment Advisor, transacting business in States where it is registered or excluded from registration. FL. License # A004461.

SEC registration does not constitute an endorsement by the SEC, and does not speak to Advisor’s skill or ability. All investment strategies have the potential for profit or loss

Fraser Allport, Fiduciary
41 Years of Service and Excellence.

Thanks and attribution to Registered Social

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