We love hearing from you! If you would like to find out more about our financial services, please feel free to call or fill out the form. We will get back with you as soon as possible. Smarter Women Colorado Pat Frederiksen 550 S. Wadsworth Blvd. Suite 401 Lakewood CO 80226 303-919-1020 cell 855-287-5880 toll… [Continue Reading]

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Smarter Women Colorado is dedicated to helping women achieve financial freedom. We have access to state of the art insurance products which can facilitate your retirement planning, wealth building, financial and insurance needs. Pat Frederiksen of Smarter Women Colorado has been working with women for years, helping them to achieve financial freedom. The reason Pat… [Continue Reading]

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We offer these types of financial resources and visual aids to help you with preparing for all of your financial needs – please let us know if we have missed something! Financial Goal Curve We have different financial needs at different times in our lives. This curve shows how our financial needs start low, then… [Continue Reading]


June 2016 Calendar of Free Events

note6/1, 6/8, 6/15, 6/22, 6/29 6 – 9pm Bands on the Bricks
Downtown Boulder, 1301 Pearl Street, Boulder 80302
From oldies to alternative and everything in between Bands on the Bricks is Boulder County’s premiere outdoor summer concert series taking place in the heart of Downtown Boulder on the one-and-only Pearl Street Mall. A not-to-be-missed summer tradition with 10 weeks of free concerts. Featuring an outdoor beer/wine/margarita garden starting at 5:30 pm every Wednesday night.

light bulb6/2 6 – 7:30pm Social Security and Income Planning
FUEL Financial, Columbine Library, 7706 W. Bowles Ave., Littleton 80123
• NEW SOCIAL SECURITY LAW- what’s changed?
• How spousal filing options are changing
• Avoid the most common filing mistakes
• Find more benefits you didn’t realize you were eligible for
• Increase lifetime benefits by tens of thousands of dollars
• Strategies to reduce Social Security taxes
• How to maximize ex, current and deceased spousal benefits
• Retirement income sources: pros and cons
• How to ensure life-long income
• Q and A opportunity with Social Security expert
RSVP 720-287-5880

molly brown6/2 Historic Denver Inc.’s Molly Brown House Museum
1340 Pennsylvania St, Denver, CO 80203, USA


note6/2 7 – 9pm Summer Concert – That Eighties Band
City Park, 10475 Sheridan Blvd.
This free concert is presented by the city of Westminster, North Metro Arts Alliance, The Scientific Cultural Facilities District and Premier members Federal Credit Union. Bring a lawn chair or blanket. Food available for purchase or bring a picnic

6/3 5 – 8pm Downtown After 5
Community-wide Events Downtown Events Music and Festivals
Come Relax Downtown as select Fridays this Summer will come alive from 5-8pm. Enjoy live Music, craft beer, cocktails & themed food trucks, or checkout work by local artisans, pick up specialty gifts and enjoy living painting presentations.

palette6/3, 6/10, 6/17, 6/24 5-8pm Clyfford Still Museum
1250 Bannock St. Denver 80204

bald eagle6/3 8:30 – 10am Bald Eagle Discovery
Standley Lake
Take a guided nature tour through Standley Lake Nature Refuge to get an up-close look at our resident eagles. This tour will discuss every aspect of an eagles life from cultural significance and mating rituals to what they eat for breakfast. This tour is interactive, fun and exciting, while at the same time, you will learn everything you want to know about the bald eagle. Dress appropriately. You may want to bring sunscreen and water. All ages must register for this class through the City of Westminsters Activity Registration Webpage: https://prl-web.ci.westminster.co.us/scripts/webtrac.wsc/wbsplash.html?wbp=1 Park day entrance fee or pass required. Class is free! All ages. Class is limited to 20 spaces.
For further information please contact Sully Tun Ake
Phone: 3036582790

palette6/3 First Friday Art Walks
First Friday Art Walk – Opening Reception for Why Not Niwot? 2016
Niwot, CO
Join us for our First Friday Art Walk, kicking off the People’s Choice voting for Why Not Niwot? 2016
Voting begins on the 6th and continues through May 30th
Why Not Niwot? is an art exhibition celebrating the uniqueness of Niwot
– See more at: http://niwot.com/events/first-friday-art-walk-2#sthash.BfydYKs8.dpuf
Art District on Santa Fe – Artify Your Brain. See, taste and feel the energy that is Denver’s Art District on Santa Fe
Belmar Block 7 Art District – Block 7 will feature four artist–owned working studios, a photographic school and a gallery showcasing a wide range of artwork by local artists. (Located in the Belmar City Center in Lakewood.)
Golden Triangle Museum District – Meet the artists, see new exhibitions, shop for local art and get inspired at the galleries open on First Friday. The neighborhood is also home to the Denver Art Museum, Clyfford Still Museum, Kirkland Museum, Denver Firefighters Museum and the Byers–Evans House Museum with Plein Air art on display.
Navajo Street Art District – Stroll the district tucked away in the Lower Highlands area of Denver, home to amazing galleries, great performance art and ample parking. Join us for Day of the Dead celebrations. It’s truly one of the best little Art Districts in town to experience art!
Old South Gaylord & South Pearl – Take time to visit these two neighborhoods south of downtown Denver; both are home to many artist’s studios and galleries, along with one–of–a–kind shops and restaurants.
RiNo (River North Art District) – Tour the district “Where art is made!” RiNo is home to creative businesses and more than 60 galleries and studios and 150 artists including painters, media artists, sculptors, photographers, illustrators, designers and furniture makers.

palette6/4 Denver Art Museum
DAM, 100 W. 14th Ave. Pkwy., Denver 80204

movie6/4 6pm StarLight Movie in Festival Park – Inside Out
Festival Park , Downtown Castle Rock
Movie night in Festival Park. Street fair at 6pm, movie starts at dusk.

note6/4 6 – 10pm Kickoff Concert Feat – USAF Falconaires
Centennial Center Park, 13050 E. Peakview Ave., Centennial
Come kick off your summer with a free concert featuring the U.S. Air Force Academy Band the “Falconaires”. Enjoy live music, children’s activities and a K9 demonstration by the Arapahoe County Sheriff’s Office. Food and beverages will be available for purchase.

kids6/4 8am – 1pm Kids’ Fishing Day at Fly’n B Park
Fly’n B Park, 2910 W. Plaza Dr., Highlands Ranch
The Metro District invites anglers to join local experts for a day of reeling in the big ones.

6/4, 6/5 45th Annual People’s Fair
Saturday, June 4, 2016 – 10AM to 8PM Sunday, June 5, 2016 – 10AM to 7PM
Civic Center Park, Broadway and Colfax, Denver, CO
The People’s Fair is the place to be. Civic Center Park, home of The People’s Fair, transforms into Colorado’s third largest city. Join over 200,000 festival goers and volunteers alike and explore a multitude of handcrafted items, fine arts, crafts, artisan foods, and craft beers.
And enjoy free music all day long at one of four stages. Rock, Pop, Americana, R&B, Soul, Funk, Gospel, Country, and MORE! Over 80 bands.

6/4 10am – 10pm Denver Chalk Art Festival
Denver Chalk Art Festival on Larimer Square is a FREE two-day street-painting festival where more than 200 artists spend hours turning the streets of Larimer Square into a museum of chalk art.

6/4 8:30am – 2pm Arvada Trails Day
Ralston Central Park, Majestic View Nature Center, Two Ponds Nat’l Wildlife Refuge

old car6/4 10am- 4pm Hot Cars Cool Nights
Downtown Loveland


6/4 10am 10am Hustle & Flow Festival (Downtown)
La Alma Recreation Center

6/5 Denver Museum of Miniatures, Dolls, and Toys
1880 Gaylord St, Denver 80206
$1 suggested donation.

6/5 Denver Museum of Nature and Science
2001 Colorado Blvd. Denver 80205

6note/5 6 – 8pm City Park Jazz – Euforquestra
City Park
Eufórquestra (pronounced yoo-FOHR-keh-struh, think euphoria+orchestra) is energy and rhythm personified. An ever-evolving sound that has been influenced by music from all over the world with an emphasis on funk, pocket and groove. For over a decade the band has been igniting dance floors across the country, blending the roots of funk, soul, afrobeat, reggae and dub to create a sound that “explodes, dances and melts in your ear with sheer bliss” (Chris M. Slawecki; AllAboutJazz.com).

7 – 9pm Colorado Chamber Players Musical Travelogue
Koelbel Library (Arapahoe Libraries), 5955 S Holly St, Centennial, CO 80121, United States

6/7 Chatfield Farms
8500 W. Deer Creek Canyon Rd., Littleton 80128

kids6/7 Children’s Museum-Target Tuesday
2121 Children’s Museum Dr., Denver


palette6/8, 6/11, 6/15, 6/17, 6/25 MOA – Museum of Outdoor Arts
1000 Englewood Parkway Suite 2-230 Englewood 80110
MOA offers indoor galleries, studios and special events and programs. http://www.moaonline.org/HOME/tabid/36/Default.aspx

6/9 8 – 11am Adult Nature Walk: McKay Lake
Standley Lake
Starting time: 8:00 am
Ending time: 11:00 am
Check here for weather related cancellations or delays
Join our park naturalist for a guided nature walk to enjoy some fresh air, get exercise and take in the beautiful scenery! We will share some history about the area we are hiking through and observe wildlife. Adults. Free. Class is limited to 12 spaces. McKay Lake trail: We will be hiking around this very scenic 1.5-mile trail that offers spectacular mountain views and opportunities to view wildlife.
For further information please contact Sully Tun Ake
Phone: 3036582790

6/9, 6/15, 6/28   Aurora History Museum
15051 E. Alameda Parkway Aurora, Colorado 80012 (map)
The only public, FREE museum in Aurora, Colorado, the Aurora History Museum is a community-based cultural center featuring changing history, natural history, culture, fine and decorative arts exhibits and programs. https://www.auroragov.org/ThingsToDo/ArtsandCulture/Museum/index.htm

6/10 12noon – 4pm Four Mile Historic Park
715 S. Forest St. Denver 80246
Take a tour of the Four Mile House Museum, check out historic demonstrations, explore our 12-acre grounds, sample a treat from our summer kitchen, and greet our farm animals. Tours are at 12:30, 1:30, and 2:30pm and are first come, first served. We’ll be offering our Hay Bales & Tall Tales story time from 12:00-1:00 pm.

kids6/11 9am – 12 noon KidFest
Civic Green Park, 9370 Ridgeline Blvd. Highlands Ranch
Come out and party in your own backyard! Enjoy the outdoors, learn something new and make plans with your friends to meet for KidFest. KidFest will entertain and engage children of all ages with live music, interactive demonstrations and educational booths. Event is free.
Call 303-791-0430 for more information.

6/11 10am – 4pm Denver Firefighters Museum Seniors (65+) 
1326 Tremont Pl, Denver 80204

note6/12 6 – 8pm City Park Jazz – Lannnie Garrett in Swing Sets – Benny Basie & Beyond
City Park
Ms. Garrett has that rare combination of popular and critical appeal. In addition to being named Favorite Female Vocalist several years in a row by The Denver Post readers, she garnered top spot as favorite singer with the readers of 5280 Magazine and the gay community’s, OutFront. She has been reviewed glowingly in national press from Gentleman’s Quarterly to Genre Magazine.
This redhead changes her feathers easily, from the glamorous, sequined chanteuse fronting her 10 piece big band, “Any Swing Goes,” to her hilarious, country spoof, The Patsy DeCline Show, her stage presence, humor and ability to connect with her audience always shines through.

6/12 9am – 7pm Ridge at 38 Criterium and Brewfest
Wheat Ridge 38th Avenue
Join us for bikes and beer at the Ridge at 38 Criterium and Brewfest. Festivities will include the Colorado State Championship Criterium Bike Race, a local brewfest with over 25 beers, a kid’s zone, a farmers and artisan market, live music and more. This event is free to attend and has something for everyone in the family!
http://ridgeat38.com/play/criterium/ for more information.

flower pink6/12 10am – 4pm Wildflower Festival
Lookout Mountain Nature Center

6/12 11am – 7pm A Taste of Puerto Rico
Civic Center Park, Broadway and Colfax

6/14 Flag Day

kids 11am Children’s Program National Repertory Orchestra
Breckenridge Library


note6/16 Big Swing Band – Dean Bushnell Orchestra
Bicentennial Park: .
Sponsor: Cruisin’ 1430 AM.
On site vendor McAlister’s Deli

note6/16 6:30pm Sounds of Summer Concert – Movers and Shakers
City Center Englewood Amphitheater, 1000 Englewood Pkwy., Englewood 80110
Tonight’s show features The Movers and Shakers. (Rock, R&B, and Soul) Sponsored in part by the Scientific and Cultural Facilities District.

6note/17 5pm Car Show Concert & Street Party
Downtown CastleRock,
Free street party and concert in Downtown Castle Rock. Stop by, have a beer and get a sneak peak of the cars for the Car Show!

movie6/17 7pm Movies in the Park – Minions
Legacy Ridge Golf Course, 10801 Legacy Ridge Parkway
Enjoy watching the movie on a large screen under the stars. Food vendors and fun pre-movie activities begin at 7 p.m. and the movie begins at dusk. Food available for purchase or bring a picnic. Bring a lawn chair or blanket. Movies presented by City of Westminster and Partner Colorado Credit Union.
For further information please contact Westminster Parks, Recreation and Libraries
Phone: 303-658-2192

6palette/18, 6/19 10am Denver Arts Festival
Conservatory Green, 8304 E. 49th Pl., Denver 80238
Since 1999 the Denver Arts Festival (formerly the Downtown Denver Arts Festival) is a fine arts and fine crafts festival that continues to be dedicated to supporting Colorado artists while also showcasing a select group of national artists. The Denver Arts Festival holds its annual premier arts event in Stapleton’s Conservatory Green. The fine art and fine craft exhibition features some of Colorado’s and the nation’s best artists with over 50,000 people expected to attend.

6note/19 6 – 8pm City Park Jazz – Hazel Miller
City Park
Hazel Miller is not just a great singer; “She is a force of nature!” quotes the Rocky Mountain News. Her voice has been called “stunning, moving and powerful.” Hazel has been a sought after performer in Colorado for the past 30 years. The Hazel Miller Band was formed more than 2 decades ago.
HMB performs an eclectic blend of Jazz, R&B, Blues and original music. Hazel Miller Band’s music is designed to make the audience dance and sing-along. They play music that excites and involves the listener.

Image result for fathers day6/19 Fathers Day

Image result for full moon6/20 8 – 9pm Full Moon Stroll
Standley Lake
Have you ever wondered what the lake looks like under the glow of the moon? Join our park naturalist for a full moon stroll and see firsthand the lake in a whole new light on the first day of summer! We will not be using flashlights. Ages 16 and up. Park entrance fee or pass required. Free! Class is limited to 15 spaces.
For further information please contact Sully Tun Ake 3036582790

Image result for first day of summer6/20 Summer Starts

kids6/21 6:30pm KidStage
CityCenter Englewood Amphitheater, 1000 Englewood Pkwy., Englewood
Peak Rythms – Instrumental Fun for All For more information visit KidStage Family Nights or call the Activity Status Line at 303-762-2598.

note6/22 6:30 – 8pm Performances in the Park – Felonius Smith
Anderson Park, Wheat Ridge
Felonius Smith kicks off the 2016 Performances in the Park series! Performing acoustic delta, country, and folk blues, the Felonius Smith Trio carries on the exciting tradition of pre-war blues. You’re encouraged to bring lawn chairs, blankets, and/or a picnic for optimal enjoyment!

6note/23 Country Rock – Buckstein
Utah Park
Sponsor: Community College of Aurora. On site vendor: Meat Truck Jones BBQ Catering

note6/23 Sounds of Summer Concert – Dan Teanor Band
City Center Englewood Amphitheater, 1000 Englewood Pkwy., Englewood 80110
Tonight’s show features The Dan Treanor Band. (Blues )Sponsored in part by the Scientific and Cultural Facilities District.

palette6/24 Last Friday Art Walk

6/25 Bailey Day
Downtown Bailey

old car6/25 6 – 10pm Car Show & Movie Night
Centennial Park, 13050 E. Peakview Ave.
The City’s first ever Classic Car Show will feature an exciting collection of classic and exotic cars followed by live music by Six Foot Joe & The Red Hot Rhinos and an outdoor screening of 20th Century Fox’s Alvin and the Chipmunks: The Road Chip (rated PG). Live music begins at 7 p.m.; movie starts at dusk. Food and beverages will be available for purchase.

6palette/25 10am – 4pm Art in the Park
Carmichael Park, 650 Southern Street, Brighton 80601
This one-day festival will give attendees the opportunity to visit the artist market, meet and talk with artists, enjoy on stage performances, artist demonstrations, and entertain children and adults with interactive art activities. Culinary Avenue will feature cuisine served by the area’s most popular and highly rated food trucks.

6note/26 6 – 8pm City Park Jazz – Otis Taylor
City Park
With Otis Taylor, it’s best to expect the unexpected. While his music, an amalgamation of roots styles in their rawest form, discusses heavyweight issues like murder, homelessness, tyranny, and injustice, his personal style is lighthearted. “I’m good at dark, but I’m not a particularly unhappy person,” he says. “I’d just like to make enough money to buy a Porsche.”
Whether it’s his unique instrumentation (he fancies banjo and cello), or it’s the sudden sound of a female vocal, or a seemingly upbeat optimistic song takes a turn for the forlorn, what remains consistent is poignant storytelling based in truth and history. On his sixth CD, Double V, Taylor unleashes intimate tales as he produces an aural excursion inspired by an unconventional childhood.

flower pink6/27 9am – 5pm Hudson Gardens
6115 S Santa Fe Dr. Littleton 80120

kids6/28 6:30 pm A KidStage – Kaleidoscope Music – Sing, Shake & Shimmy
CityCenter Englewood Ampitheater, 1000 Englewood Pkwy., Englewood
For more information visit KidStage Family Nights or call the Activity Status Line at 303-762-2598.

6note/29 6:30 – 8pm Performances in the Park – Quickdraw Homegrown Music
Anderson Park, Wheat Ridge
Quickdraw Homegrown Music has been entertaining audiences from Colorado to Alaska for over 25 years with their unique brand of western bluegrass. This four piece New Acoustic Alternative Bluegrass quartet offers a change from the sounds traditionally associated with Banjo, Bass, Guitar, and Mandolin. Their tight vocal harmonies and instrumental arrangements will leave you clamoring for more. For optimal enjoyment, bring lawn chairs, blankets, and/or a picnic!

note6/30 Pop/Rock Variety Dance Music – Raising Cain
Utah Park
Sponsor: Citiwide Banks. n site vendor: Legends of Aurora Sports Grill0 6:30pm Sounds of Summer Concert – Shutgun Lullaby
City Center Englewood Amphitheater, 1000 Englewood Pkwy., Englewood 80110
Tonight’s show features Shotgun Lullaby. (Country)
Sponsored in part by the Scientific and Cultural Facilities District.

Time to Relocate?

Denver home values rose 15% last year per Zillow and don’t show any sign of slowing this year. Homes are selling in a day, full price or more, multiple offers, cash. This could be the best time to sell!
So, is this the time to relocate? If you were thinking about moving, now might be the best time to take your profits and move. The equity could provide a nice boost to your retirement income if placed well.
The goal is to find a balance between a region that allows you to maintain your financial security and one that doesn’t compromise your quality of life.
As all too many retirees have learned, relocating to save money can be a jolting experience if it takes them far from family and friends. Factor in the cost of traveling to see loved ones if you move to a different part of the country. You don’t want to be so far away that it becomes cost prohibitive to maintain your most important relationships.
Don’t pick up and move without giving a new town a trial run. Rent a place for a few months to make sure you get a true sense of what the community is like. If you have your eye on an area that’s very popular in the winter, spend some time there in summer. Maybe you will love the quiet – or maybe you’ll find it depressing when the high-season action packs up and goes home.
While change and new adventures can be invigorating, make sure wherever you move lets you continue to pursue your favorite hobbies or pastimes. If you are a big opera and symphony fan, moving to the boonies might not be a good fit.
Make sure you’ll have close access to good health care – especially in specialties of particular concern to older people, such as cancer, heart disease and general geriatric care.

The Difference Between Fiduciary And Suitability Standards

Comment by Pat Frederiksen – I have always put the client first. 

My licensing does not demand this, but it has always been how I do business. 

It is called integrity!

By Peter Lazaroff
Opinions expressed by Forbes Contributors are their own.

Today the Department of Labor (DOL) released new rules regarding retirement savings advice, but most investors don’t realize that there anore two standards of care in the financial industry.

The fiduciary standard requires that an adviser put the clients interest first and is adhered to by Registered Investment Advisors and enforced by the Securities and Exchange Commission (SEC).

The suitability standard requires that a broker make recommendations that are suitable based on a client’s personal situation, but the standard does not require the advice to be in the client’s best interest. Brokers, also known as registered representatives, are held to this suitability standard, which is enforced through a self-regulatory organization called the Financial Industry Regulatory Authority (FINRA).

Fiduciary vs Suitability: What’s The Difference?

Imagine you need a new car, but you don’t know much about different options. You head to the closest car dealer, which happens to be a Ford dealership. The dealer asks you to describe what kind of car you need, and you begin listing features and attributes that are best described as a Toyota Highlander.

Under the suitability standard, the dealer could say, “A Ford Explorer would meet all of your needs and we have some of those right over here.” The dealer makes the sale and gets the commission. You have a car that is suitable for your needs, but it isn’t necessarily what’s best for you. Since you don’t have a great deal of knowledge about the auto market, you are in the dark.

Under the fiduciary standard, the dealer would be obligated to say, “It sounds like you are describing a Toyota Highlander. We don’t sell those. In order to get exactly what you described, you would have to go down the street to Toyota and ask for a Highlander. I can sell you a similar model called a Ford Explorer, it’s more expensive and it isn’t exactly what you described.” In this scenario, you have more information about your options and the conflicts driving the dealer.
Recommended by Forbes

The Ford dealer has a clear conflict of interest in this situation. He can only sell Fords and will lose the opportunity to earn a commission if the client buys a Toyota Highlander. Under the suitability standard, the client ends up with a product (Ford Explorer) that isn’t the best fit given their situation and it costs more than the better-fitting product (Toyota Highlander). Worst of all, the client probably has no idea that they weren’t given advice that put their own interests first.

Social Security & Income Planning – the new rules

6/2 6 – 7:30pm Social Security and Income Planning
FUEL Financial, Columbine Library, 7706 W. Bowles Ave., Littleton 80123
• NEW SOCIAL SECURITY LAW- what’s changed?
• How spousal filing options are changing
• Avoid the most common filing mistakes
• Find more benefits you didn’t realize you were eligible for
• Increase lifetime benefits by tens of thousands of dollars
• Strategies to reduce Social Security taxes
• How to maximize ex, current and deceased spousal benefits
• Retirement income sources: pros and cons
• How to ensure life-long income
• Q and A opportunity with Social Security expert
RSVP 720-287-5880

Senior Deductions Colorado

⇒How the Senior Property Tax Exemption Can Work for You
This is a state program administered by your county.
The three basic requirements to qualify are:
1. the qualifying senior must be at least 65 years old on January 1 of the year in which he or she qualifies;
2. the qualifying senior must be the owner of record, of current residence and must have been the owner of record for at least the 10 consecutive years prior to January 1;
3. the qualifying senior must occupy the property as his or her primary residence, and must have done so for at least the 10 consecutive years prior to January 1.
This exemption only applies to your primary residence.

⇒Income Tax
Higher standard deduction for age (65 or older). If you don’t itemize deductions, you are entitled to a higher standard deduction if you are age 65 or older at the end of the year. You are considered age 65 on the day before your 65th birthday. Therefore, you can take a higher standard deduction for 2015 if you were born before January 2, 1951.

⇒Social Security – the new rules as explained by Fidelity
The strategy: At or after an individual’s official FRA , (Full Retirement Age) a person could file a “restricted” application for “just” spousal benefits, while allowing his or her own future retirement benefit to grow.
The change: Social Security will no longer allow certain individuals to restrict an application to spousal benefits only; the individual will be required to file and claim all eligible benefits.
What happens: People age 62 or older at the end of 2015 will continue to have the option of restricting an application to spousal benefits only. People turning 62 in 2016 or later will have to claim all their benefits upon filing.

⇒Social Security –if you are divorced
(The new rules state that your ex must be receiving SS benefits in order for you to receive half.)
If you are divorced, but your marriage lasted 10 years or longer, you can receive benefits on your ex-spouse’s record (even if he or she has remarried) if:
• You are unmarried;
• You are age 62 or older;
• Your ex-spouse is entitled to Social Security retirement or disability benefits and
• The benefit you are entitled to receive based on your own work is less than the benefit you would receive based on your ex-spouse’s work.
Note: Your benefit as a divorced spouse is equal to one-half of your ex-spouse’s full retirement amount (or disability benefit) if you start receiving benefits at your full retirement age. The benefits do not include any delayed retirement credits your ex-spouse may receive.
If you remarry, you generally cannot collect benefits on your former spouse’s record unless your later marriage ends (whether by death, divorce or annulment).
Note: The amount of benefits you get has no effect on the amount of benefits your ex-spouse or his or her current spouse may receive.