AboutAaron Hall Expertise I can answer questions regarding asset allocation, investment selection, investment managers, hedge funds, investment expenses, most common tax shelters, retirement accounts.
Experience I have worked with MetLife Financial Services, Ameriprise Financial, and Merrill Lynch. I also manage millions in client assets, though I am not actively searching for more clients, and I do not accept commisions for financial products.
Organizations Financial Management Association
Education/Credentials I am in the process of attaining my Ph.D. in Finance with a support area of econometrics, and have a bachelors degree in Finance with a concentration in Real Estate from Florida State University.
Education
Florida State University, Tallahassee, FL
Ph.D. in Finance, pending
Florida State University, Tallahassee, FL
B.S. in Real Estate and Political Science, Spring 2002
Related Industry Experience
Merrill Lynch, Financial Advisor with Merrill Lynch, with $3,000,000 in assets on the books, $2,000,000 of which was fee based, where clients followed specific portfolio recommendations based on optimized portfolios tailored to risk tolerance and goals, 2006-2007
Independent, Financial Planner, continuing to work with select clients, 2005-2006
MetLife, Financial Services Representative, Selling Life Insurance and Annuities, 2003
Guernsey and Associates, Boutique Financial Planning Firm Internship, Selling Life Insurance and Fee-based Financial Plans, Fall 2002
Honors and Awards
College of Business Ph.D. Fellowship/Assistantship
College Teaching Fellowship Award
Full Undergraduate Academic Scholarship at FSU
National Merit Scholar Award
Question I am 73 years old and my husband and I are separated. If my husband dies and he received his social security at 62, then what portion would the wife (me) get when he dies ? I (the wife) haven't worked in years and on a very little income.
Regards, Melanie
Answer Melanie,
The spousal benefit is up to one half of the other's benefit (primary insurance amount). As you mentioned, his benefit was reduced because he began to draw it at the age of 62. Your amount should be half of what his would have been had he begun to draw it at age 65, unless you earned more. In order to earn full Social Security benefits, you need to have worked and reported income for 10 full years. If your primary insurance amount is greater than the amount you would otherwise had received from him, you will only receive your primary benefit.
This may seem complicated. If you need clarification, don't hesitate to ask.
