Important Message! Older, Younger, & In Between: This is for You!


From the Desk of Abraham Mehrian:


I wish everyone reading this had a Merry Christmas. While surrounded by family and friends during the holiday weekend, I had the opportunity to read Nancy's Personal Story and journey on Social Security and Retirement.


Her experience holds dear to my heart because I have known her for the last 15 years. Her story transcends through the mind of so many different perspectives that are beautifully laid out, from coming to the United States and climbing up the ranks at Bank of America, to switching to the other side of the teller window as she begins her career as an entrepreneur.


She goes on to detail her work as a Retirement Plan Administrator. She dedicated over a decade to helping retirees and investors on the workings and intricacies of their retirement accounts. Now that she personally has reached the age of retirement, she now understands that what she has been preaching all these years has finally come true….Retirement Is Just A Myth. In Nancy’s perspective she states, “Solely depending on Social Security would not be enough to be able to maintain the lifestyle I want by the time I decide to retire.”


Personally, through my years working with individuals and investors on their financial plan, I too came to notice something very interesting; that retirement is simply just an experiment. Prior to the 19th century there was no such thing as retirement. *Private pensions started in 1875 with American Express offering the first private-sector retirement plan. It wasn’t until 1935 that the American Social Security was implemented. America’s Social Security has been around for less than 100 years since its implementation. You see this being true with many of our seniors today and they too will tell you, that they will work until their last breath and their body gives out.


To illustrate this point further, I have provided a video below that I find to be very thorough and helpful in dissecting the complexity and failings that surround our Social Security program. It’s important to note that Social Security’s cash flow has been NEGATIVE. Meaning, that the agency does not collect enough money through taxes to cover what it is paying out. And due to Covid-19, it has accelerated the impact and put pressure on the program and now may not be able to cover the full benefit payments, which has some retirees seriously worried about their future.


Abraham Mehrian

CEO & Chief Financial Architect

Family Financial Strategies, Inc. & Subsidiaries



As a refresher here is Nancy’s Commentary on Retirement.


Social Security And What it Means for You….


Four years after coming to the United States, I began working in the banking and financial industry at Bank of America. This is when I started to see how money is moved and circulated between banks, governments, and consumers.


I entered the fast moving and exciting world of investments, retirement, & Social Security.


Every day I witnessed two different types of retirees. On one hand, we would have the retirees that invested in saving for their retirement, and on the other hand, we had those retirees that were solely dependent on their social security to help maintain their life after retirement. Unfortunately, for those who thought social security would be enough, they quickly found out that it was not.


After six years of working in the banking industry, I decided to take on a new venture and became an entrepreneur. I found myself on the other side of the teller window, the consumer side, having to constantly make financial decisions not only for myself but for my family as well. I realized that being an employee on its own was not enough, and solely depending on Social Security would not be enough to be able to maintain the lifestyle I want by the time I decided to retire.


In 2006, I entered the risk mitigation sector, as a licensed professional in the insurance industry. This is where it hit home and I witnessed and experienced first hand that social security would not be enough to survive, and from that point on moving forward I began building my personal wealth, independent of what Social Security may or may not offer down the line.


Through my years of working in the financial industry, specifically as a Retirement Administrator, I worked with different kinds of people. Those that have no plan for retirement, those that have a wrong plan, and others that even though they had a good plan for their retirement, they simply had a bad advisor.


Don’t let my good looks fool you... Now that I am at the full age of retirement, I see that my assumption about Social Security was right! Social Security Is Just A Myth... The money I currently receive from Social Security hardly covers half of my property taxes!


My biggest advice to the younger generation: You must realize that Social Security may not be there by the time you hit retirement age, and so it is important that you must have a strong financial plan ahead of time, to live a better and fulfilling life after retirement.


Nancy Noor

Retirement Plan Chief Administrator

Strategic Legacy Investment Group, Inc.


To see why retirement is a myth, watch this video.



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