The Changing Face of Retirement

The Changing Face of Retirement

by Amy Dginguerian.

Believe it or not, your Social Security can be worth more for you in Golden Years’ income than your 401(k) or individual retirement account. The trick is knowing at what age to best file for benefits. This and so many other tidbits of information that can help Older Americans are out there and available.

I recently became a proud “SRES” accredited Realtor. What that basically means is that one of my specialties is helping those 55+ with their housing needs, A “Senior Real Estate Specialist.”

In today’s world, people that are over the age of 55+ needs are ever changing. More “Active Adults” are retiring later and even returning to the workforce part-time and there has to be people out there that can recognize these changes and be able to assist older adults with their specific housing needs. I’m proud to say that I am that person.

Here are some helpful hints-

When it comes to your Social Security retirement income, there are ways to maximize your dollars.


1) Make sure you use the proper start-date for benefits. If you have sufficient income without starting the benefits at age 62 and your life expectancy is average or better, then delaying your start date can be a great investment. And, if you were born between 1943 and 1954, you can actually increase your monthly payments as much as 76%, based on when you start your benefits.

2) Integrate your lifestyle and retirement and make sure you consider taxes. Active adults can work part-time or learn a new skill or both, while beginning to temporarily draw on their 401(k) or IRA. You can integrate new work and retirement and work until you reach Full Retirement age or continue this integrated strategy until age 70, when you then qualify for the maximum Social Security Benefit.

3) There are new Reverse mortgages that nowadays may be the right option for some Older Adults.

It is always a good idea to enlist the help of a trusted advisor to help you with these decisions. There are people like me out there that care and are here to help.

Kim Suwa


Kim has served in many positions with our company and works diligently to answer any questions that you may have. Her proficient and vast set of skills is unique in that she is highly qualified in all areas of Leasing and Property Management. Kim gracefully manages all the accounting staff and functions, including coordinating rental tax, owner disbursements, move out accounting, trust account reconciliation, human resources and oversees all lease renewals for Amy Home Sales and Clear Property Management to ensure that our occupancy rate is maintained at the highest level.

Kim has an incomparable ability to solve problems and is meticulous about maintaining perfection. Should you ever have a question about anything, please let her know.

Anne Trear


CalDRE: #02096043


Anne Trear brings a passion for real estate and commitment to her clients to Beverly & Co, teaming up with Amy Weber as a buyer’s agent. She focuses on creatively finding solutions for her clients, embracing the opportunity to meet and develop relationships with a wide range of people, all while helping them make one of the most important decisions of their lives; she feels fortunate to get to be a part of such a monumental moment. She thrives in the exciting, fast-paced environment of real estate, where everyday is engaging and different.

Anne’s experience as a bartender and trail guide at an equestrian center have given her the opportunity to work with people from all walks of life, each bringing their own passions, emotions, and personalities to the table. She leverages this insight in her real estate career, always seeking to fully understand her clients–their desires, dreams, and needs—so she can best serve them. Enthusiastic, and motivated, Anne values honesty and integrity; her work ethic and hustle speak to her dedication to making sure her clients are completely taken care of every step of the way.

When she’s not serving her clients, she spends her time volunteering at The Union Rescue Mission and exploring her community.

Amy Weber


CalDRE: #01946366


Amy Weber brings Beverly & Co. a wealth of real estate experience and a keen competitive drive. After finding success investing in properties herself, Amy gained extensive knowledge of the industry before becoming an agent. She is an accredited home stager, broker associate and E-Pro Real Estate Agent as well as a Certified Real Estate specialist (CRS), a Buyer’s Real Estate Specialist (BRS), a Senior Real Estate pro (SRES) and Certified Probate Real Estate Specialist (CPRES).

A former actress, talent agency owner and veteran of the WWE, Amy is no stranger to the rigors of competition. She is a tireless champion for her clients and understands the importance of standing out in a crowded field. To help attract potential buyers to her properties, Amy calls upon her highly skilled network of photographers and drone video operators, who work to put each home in its best light. Amy has received numerous acknowledgements from past clients praising her polished performance and talent for closing deals.

In her free time, Amy loves cooking, reading, volunteering with the ASPCA and spending time with her twins, Madison and Levi.

  • Broker Associate
  • Certified Probate Real Estate Professional
  • Senior Real Estate Specialist (SRES)
  • Accredited Buyer’s Representative (ABR®)
  • Video Marketing
  • Client Negotiations