The maximum annual earnings subject to Social Security tax will also rise next year — to $118,500 from $117,000 this year. “We hear from our clients that 1.7 percent does not keep up with increasing health care costs,” says William Meyer, chief executive of Social Security Solutions. Others include raising payroll taxes or raising the age at which one can collect full retirement benefits. Bay Area residents can get free advice from financial planners, CPAs and estate lawyers on Saturday at the fifth annual San Francisco Financial Planning Day. There will be presentations and one-on-one counseling on issues including retirement, budgeting, debt, credit scores, investing, taxes, homeowners, insurance, college savings, estate planning and insurance. The event is organized by the San Francisco mayor and treasurer’s offices, Financial Planning Association, Certified Financial Planner Board of Standards and the Foundation for Financial Planning. In years past, people have sought advice on whether they could afford to retire, when to start Social Security benefits and what to do if they haven’t filed tax returns for three years. To volunteer at the event, advisers must be a certified financial planner or licensed in their profession, such as law, accounting or debt counseling.