Richard C. Hirtle – Retired from a lengthy career in various Senior Officer Roles. Most recently as the Assistant Chief Compliance Officer for John Hancock Financial (a subsidiary of Manulife Financial) overseeing internal regulatory compliance for all SEC registered investment and insurance products. Also, responsible for administering the Code of Ethics for personal trading of approximately 450 employees. Prior to John Hancock was Vice President Treasurer of OneBeacon Insurance Company; Chief Financial Officer and Treasurer for a subsidiary of Manulife Financial; and Controller of Keystone Provide Life Insurance Company. Responsibilities included fund administration of the Company’s investments, vendor management/accounts payable; payroll, corporate financial reporting, actuarial financial planning, and expense and tax management for each Company. Upon graduation from college Mr. Hirtle joined Coopers & Lybrand (now PricewaterhouseCoopers) where he earned his CPA. Mr. Hirtle has both a BS and Masters degree from Northeastern University and has the following designations, Chartered Life Underwriter, Chartered Financial Consultant, and Registered Social Security Analyst. Completed continuing education requirements for the 2024 IRS Federal Tax filing season.
Most People Leave Money on the Table
Very few people get all the Social Security they deserve.
The average household is losing $111,000 in potential income.
Social Security gives you one chance to get it right – forever.
Maximize Your Benefits
Discover important information for your situation.
If you are married, you may be able to collect up to one-half of your spouse’s Social Security benefit. This won’t affect your spouse’s checks. Ask an RSSA® for details.
If you are divorced and 62 or older, you may qualify to receive Social Security benefits from your ex-spouse — in addition to your own Social Security payments. Ask an RSSA® for details.
If your spouse has passed away, you may be eligible for a survivor benefit. The extra money may be essential for you. Ask an RSSA® for details.
If you are single, and solely responsible for your retirement, making the optimal Social Security claiming decision is particularly important. Ask an RSSA® about your options.
As a self-employed person, you may be able to decrease your payroll taxes — yet still receive the maximum income from Social Security. Ask an RSSA® for details.
Social Security can provide valuable disability benefits if you qualify, but these benefits — and how you qualify for them — are often misunderstood. Ask an RSSA® for details.