Episode 13: Social Security, Roth Conversions & the One Big Beautiful Bill — Featuring Hamilton Morales of FIG

In this value-packed episode, Dereck Blair, President of Caprock Financial Group, sits down with Hamilton Morales, Senior VP at Financial Independence Group (FIG), to break down one of the most misunderstood components of retirement: Social Security.

With more than three decades of experience in retirement income planning, Hamilton shares why “don’t guess—get a personalized plan” is the only smart strategy when it comes to claiming your Social Security benefits. Together, Dereck and Hamilton also explore the tax traps, legislative shifts, and hidden fees that could quietly erode your retirement income if you’re not prepared.

💬 In this episode, you’ll learn:

✔️ How to build a personalized Social Security strategy instead of guessing or using generic advice
✔️ What the Earnings Limit really means—and how much Social Security may withhold if you claim too soon
✔️ Why the One Big Beautiful Bill Act could reshape retirement taxation—and what you can do about it now
✔️ How Roth conversions can help reduce your Social Security tax burden
✔️ The real story behind Social Security taxes and how to structure income smarter
✔️ When annuities may complement Social Security income—and how to avoid becoming the IRS’s silent partner

This episode offers real clarity for real retirees. Whether you're approaching age 62 or already collecting benefits, this conversation can help you protect your future—and your family’s future.

📞 Call (806) 749-7870 to schedule your in-office retirement review today.
Let’s build your plan around the income you need—and the taxes you don’t.

🌐 Visit our podcast website: www.dereckblair.com

📱 Follow us on social media for exclusive insights, episode clips, and retirement education that matters.

🎧 Subscribe now to hear weekly episodes featuring trusted voices, smart strategies, and real conversations that empower your best financial future.