More than 80% of Americans are worried they won't have enough money for retirement and over 78 million Baby Boomers are set to retire in the next decade. 36% of American adults over 65 are completely dependent on Social Security and 61% of retirees count on their Social Security for at least half of their monthly income.* It's important to know all of the strategies that are made available to you so you can make informed decisions and maximize your Social Security benefits. Failing to maximize your benefits could potentially leave tens of thousands of dollars on the table.

This workshop is designed to help you know all of the strategies that are made available to you, avoid common filing mistakes and most importantly, help you maximize your Social Security and Long-Term Care Benefits!

Please join your hosts Lars Larsen & Lisa Clarke of Heritage Financial North for complimentary wine, appetizers and a special presentation. The Economy has Changed, the World has Changed...Get Insight and New Opinions!

Dates: Wednesday, February 7, 2018

Time: 5:30 p.m. to 7:00 p.m.

Venue: Carlton Senior Living located at 380 Branham Ln, San Jose, CA 95136

Menu: Complimentary Appetizers, Wine & Cheese

Lars Larsen

President

Since 2003, Lars has been committed to providing a personalized, caring approach with his clients, providing stability, promoting financial well-being and protecting their legacies. Born in Denmark, Lars applies a blend of the best of Scandinavian and American values when it comes to his marriage to Jamie, raising his son Daniel and daughter Bella, as well as managing his business.

Being raised in a highly taxed country with a social safety net, he realized early on the concerns of so many Americans regarding their retirement income. This helped shape the focus and philosophy of Heritage Financial North. His approach to planning is from a holistic perspective, which includes wealth management, retirement income planning, legacy planning and long-term care planning. ​ Outside of the office, Lars enjoys hiking with the family, running and spent many years practicing Japanese Jujitsu where he holds a black belt. The qualities of respect, discipline and integrity have greatly influenced Lars’ life, including his views on financial matters. In Jujitsu, one trains to be prepared for an opponents every move and learns use them to one’s advantage. Same goes for our financial lives: We cannot predict the future, but we can plan so we’re prepared for the surprises life - and the economy - might present. 

Lisa Clarke 

For the last decade, Lisa has devoted her professional career to helping individuals and their families realize their retirement needs and financial goals. Lisa is a California native, born in Salinas and resides in Scotts Valley. Lisa graduated from Golden Gate University with a major in Business Management and prior to joining Heritage Financial Lisa worked in corporate America including companies such as Hewlett Packard. ​ Lisa’s passion for family shines through in everything she does. Her son Nick proudly works for the 49’ers and her daughter Haley is top of her class academically.

In Lisa’s professional life, she seeks out strategies to ensure her clients and their families thrive financially and preserve a legacy for their loved ones. “The favorite part of my job is getting a chance to learn where my clients started their journey, where they are today, and helping shape a safe and secure future that ultimately accomplishes as much as they possibly can. Using powerful and sophisticated financial tools and strategies helps to meet the objectives of my clients”.

Lisa is proud to be a member of the American Academy of Benefit Planners. 

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Advisory Services Offered Through Client One Securities, LLC Member FINRA/SIPC and an Investment Advisor. Heritage Financial North, Heritage Financial North Insurance Services and Client One Securities, LLC are not affiliated. | CA Insurance License # 0E02803

By providing your information, you give consent to be contacted about the possible sale of an insurance, annuity or securities product. Licensed Insurance Professional. Attend and learn how annuities and life insurance can be used in various stages of planning for retirement income. This presentation is not intended to be legal or tax advice. The presenter can provide information, but not advice related to social security benefits. Clients should seek guidance from the Social Security Administration regarding their particular situation. The presenter may be able to identify potential retirement income gaps and may introduce insurance products, such as an annuity, as a potential solution. Social Security benefit payout rates can and will change at the sole discretion of the Social Security Administration. For more information, please consult a local Social Security Administration office, or visit www.ssa.gov.