Retire Into Freedom

Lorie Leaf Orange

Integrative Retirement Planning for Women and Couples who want a clear path to financial well-being... even in an uncertain world

Smart Social Security
Planning for Women


What Women Need To Know About Retirement Income and Social Security

Date : Wednesday April 5th, 2023
Time: 5:30 – 7:30 pm
Location: Anne Arundel Community College Parkway, Arnold Maryland
Date : Wednesday April 12th, 2023
Time: 5:00 – 7:00 pm
Location: Crofton Community Library 1681 Riedel Rd, Crofton, MD 21114

Presented by:

Lorie A. Scheibel, MBA, RICP®
Scheibel Planning Solutions, LLC

At this workshop you will learn...

  • How much Social Security you stand to receive over your lifetime

  • What to do if your marital status changes

  • How the decisions you make in your 60s can determine the amount of income you’ll have in your 80s

  • How to take advantage of spousal divorced-spouse benefits, and even divorced-spouse survivor benefits

  • How to coordinate your own retirement benefit with benefits you might receive as a spouse or divorced-spouse

  • Why you should consider your husband’s life expectancy when deciding when to claim your own retirement benefit

  • What to do if your husband or ex-husband dies

  • How to plan for the extra-long life

Rules and strategies you need to know...

How to take advantage of spousal benefit while your own benefit builds benefits, survivor benefits, delayed credits

How to switch from one benefit to another to have income now and later

Why you and your husband can’t both receive spousal benefits on each other’s record at the same time

What you need to do to get divorced-spouse benefits

What you MUST consider before remarrying

Relax, Your Retirement Planning is Covered

In All Areas

Business Owner Planning

Business Owner Planning

  • What’s my business worth ?
  • Am I protected in case of unforeseen events?
  • How do I retain employees for growth?
  • How do I best exit and ensure enough money to fund my goals?

Retirement Income Planning

Retirement Income Planning

  • How do I create a “paycheck” in retirement?
  • What are my pension distribution options?
  • Should I consider an annuity?

Investment Planning

Investment Planning

  • Is my investment portfolio suited to my goals with appropriate risk?
  • Can it be improved?
  • Can it be sustained through good and bad times?

Social Security and Medicare Planning

Social Security and Medicare Planning

  • When should I take retirement for the maximum benefit?
  • Should I consider waiting and what is the advantage?
  • How do I integrate Social Security with my other income streams?
  • How do I plan for medical care costs in retirement?

Insurance Planning

Insurance Planning

  • How much life insurance if any is right for me?
  • Should I purchase Long Term Care Insurance?
  • What types of insurance meet my needs?
  • Am I overpaying for insurance?

Tax Planning

Tax Planning

  • Am I paying too much now and in the future?
  • How can I reduce the taxes I pay?

Real Estate Planning

Real Estate Planning

  • Should I invest in or liquidate real estate investments?
  • How much can I spend on my next home?
  • Should I pay cash or finance a property purchase?

Lifestyle/Cash-Flow Planning

Lifestyle/Cash-Flow Planning

  • How much money can I spend and still accomplish my long-term goals?
  • How do I separate the wants versus the needs?

Estate and Charitable Planning

Estate and Charitable Planning

  • Is my wealth protected in the way I want?
  • Is my plan in place and organized for my business and my family?
  • How can I ensure my wealth is distributed to family and charity with the least possible tax consequence?

Planning for Your Retirement Wealth


Invest Smarter

Reduce Taxes

Retire Successfully

More Fully Enjoy Your Life


Just 3 Steps To

Retire in Abundance

A Call

We'll discuss your needs and concerns and determine if we are a good fit to work together.

Get a Smart
Retirement Plan

We'll dive deeper into your needs, then I'll analyze the numbers and make a plan that's aligned to you and gives you confidence.

Retire Into the
Life You Want

Feel clear and confident about your financial plan. Live a life of freedom and abundance. Without money worries.

Create Financial Well-Being, Without Worry