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Image provided by: Webster Public Library
10 Webster Herald, Webster, New York Wednesday, December 27, 2017 Do-Over Option for Social Security Benefits PRESENTED BY AARON J RANDISI, CRC®, AIF® Although the social security system allows claims for reduced worker ben- efits as early as age 62, claiming early may not be your best choice. Fortunate- ly, if you claimed early, you may be able to take advantage of a do-over option that restarts the clock on your benefits. If you applied for social security within the last 12 months and are cur- rently receiving benefits, you may be able to withdraw the claim and reap- ply at a later date. If you withdraw the application, however, you must repay all benefits received, including any re- ceived by a spouse or 1 dependents. This do- 23:Zr over option is limited 4 to a 12-month period ' 5 4.2 i and may be used only - once in a lifetime. There are a couple of scenarios where this do-over option may make sense: • You are in need of temporary cash flow and will be in a position to pay back the benefits within the 12-month period. • You chose to take early benefits, only to discover that it was not the right choice. It is common to have questions about when to claim social security benefits- and mistakes do happen. In fact, many individuals are unaware that taking benefits before their full retirement age will result in a significant reduction. We have a good understanding of the choices available to help you make the right decision the first time. If, however, you made a choice that you now regret, a do-over option may provide the solu- tion you need. This material has been provided for general irformational purposes only and does not constitute either tax or legal ad- uice. AUhough we go to great lengths to rnake sure our ir®rmation is accurate and useful, we recornmend you consult a tax preparer professional tcu advisor, or lawyer. ### Aaron Randisi CRC®, AIF® is a Jinancial aduisor located at, 290 Linden Oaks, Suite 320 Rochester, NY 14625 offers securities and advisory services as an Investment Act- viser Representative of Commonujealth FY- nancial Network®, Member FINRA/ SIPC, a Registered Investment Aduiser. He can be reached at 585-203-1130 or at arandisi@ crossbridge/inancialcom © 2017 Commonwealth Financial Network® Willink Middle School Titans CARE Recipients n r 1 . Willink Middle School Principai Jim Gindling is pleased to ahnounce the recipidnts of th@Tif' tans CARE to Make A Difference Award for December. They are (pictured sitting and second row in no particular order) David Bonin, Margie Bowen, Tim Bowman, Kyle Calvin, Joey Cresci- manni, Maloney LaJuett, Ethan Lewandowski, Kate Rider, Ayah Silmi, Kolbi Spencer, Spencer Tran, and Jackie Ward. Photo: Webster Schools r 0 -- 74' I. . ;... -- I I , 1 : . .C ¤The Webster Herald's Progress Issue 7f 1 Follow us -1 i @WebsterHerald on Twitter WSTER HERALD The Webster Herald annually chronicles the efforts, successes, and challenges of the Webster community in our annual Progress edition. We detail the changes in business, government, and cornfrlunity over the past year. We will again produce the Progress edition in a magazine format on premium quality paper. To reserve your space or find out more information contact Laurie Zahn Herman by cell (585) 727-0269 or email laurie@empirestateweeklies.com ........................................................................ A Special Section From me 201S Webster lieralll Published January 31, 2018 Ad Deja\'fle :s Januan, 22 ly--c\ 1 j PROGRESS Roofing 4. p.'1:7 .0.\*4 * Siding W?7 000!70 12000 ©eoDO[7 013 43(70 [134[-26117 .00*2 Quality Service at Reasonable Rates • Re-Roofs • Tear-Offs • Leak Repairs • Free 30 YEARS F Estimates WEBSTER SERVING - BBB Fully Cell: 303-7777 EBBW. Insured www.ApolloRoofers.com r wa lEn L ] ] [ 1 i ANY ROOFING JOB i If Booked by 12/31/17 - Minimum 1000 sq. ft. Not valid w/other discounts or on prior sales. Expires 12/31/17 6711 = iL@90 6 419 £19 8 48€3 0419 G3 0 c,g al BO e S: Fa £3CE78 e ,1