Frank Rainaldi


FRANK L. RAINALDI, CLU, ChFC, DAEP is considered by many to be one of the insurance industry’s leading educators.  He is the primary author  of The Kugler System (, well known for its  estate, business and retirement planning books, software and online solutions.

Children’s Social Security Benefits and the Maximum Family Benefit: Part 1
Good news: When a worker retires, if certain requirements are satisfied, other family members may qualify to receive benefits based on the worker’s Social Security record.
Working After Full Retirement Age  1
Does a client’s Social Security benefit go up if he decides to work an extra year after he retires, say between the ages of 66 and 67?
When Retired Clients Try to Go Back To Work
There are two major problems if someone is still working and decides to collect Social Security benefits early, that is, before his full retirement age.
Buy/Sell Agreement for a Family C Corporation With Accumulated E&P 
Frank L. Rainaldi, William Rainaldi & Patrick J.Deo discuss a number of situations in which a stockholder in a family C corporation with accumulated earnings and profits (E&P) might want to sell his stock
Social Security and Life Insurance
Here are some of the problems associated with Social Security benefits and how the creative use of life insurance can help fix these issues.
Social Security Taxation
SS benefits are taxed more favorably than, for example, distributions from an individual retirement account.
social security card money
Divorced Spouse’s Survivor Social Security Benefits Simplified
A divorced spouse may qualify for the same spousal benefits as a married spouse.
Social Security Survivor Benefits Simplified
In many cases, survivor benefits can have just as much of an impact as spousal benefits.
Insured Buy/Sell Agreement for a C Corporation 
The accounting and tax aspects of a C corporation and a partnership are considerably different
Social Security Spousal Benefits Simplified
Case studies give a more detailed analysis of the two most significant enhancements involving spousal retirement benefits.
Six Good Reasons to Start Collecting Social Security at Full Retirement Age 1
Six major Social Security benefit enhancements available to workers when they reach full retirement age.
Insured Buy/Sell Agreements for a Partnership Entity 
Frank L. Rainaldi, William Rainaldi & Patrick J. Deo offer a primer on this potentially complex, but necessary, structure
Early, Full or Delayed Social Security Benefits
What you and your clients need to know when deciding when to collect Social Security benefits.
Qualifying for Social Security Retirement Benefits
Social Security: An introduction to the concepts, definitions and rules every advisor should know.
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