Maximize Your Social Security
Build the foundation of a stable,
secure retirement income plan
Analyze – Using software, we analyze hundreds of possible election
strategies and identify the one that offers the highest lifetime value.
Integrate – We examine your optimal Social Security election strategy
in light of your other assets, income streams and goals to identify
potential conflicts. We’ll help you match your Social Security decision
to your overall plan.
Identify Alternatives – When conflicts exist due to asset structure or
income needs we will identify alternative Social Security strategies.
Present – Provide a report comparing best, earliest and alternative
strategies for your consideration.
Frequently Asked Questions
1. How big a difference will Social Security Planning make for me?
To truly get an idea how much you stand to gain or lose, we can provide
you with a complimentary “What’s at Stake” report.
2. Who can benefit from Social Security Planning?
Our analysis covers most situations, including married, single, divorced,
widows, government employees and people who have already elected but are
not yet age 70.
3. Why should I involve a financial advisor in my Social Security decision?
Your decision will impact your other assets, including how and when you
tap certain assets to supplement your income. An advisor is positioned to
help you understand how all these pieces fit together.
4. Why not ask the Social Security Administration for advice?
The Social Security Administration (SSA) cannot give advice, ask you about
other assets, or evaluate the impact of your decision on the rest of your
financial plan. Once you have developed your Social Security Strategy,
please consult the SSA.
5. What if I’ve already elected Social Security?
If you feel you’ve made a mistake in electing Social Security early and you’re
not yet 70 years old, there are several options for fixing amistake, or at least
minimizing the damage.
6. When should I start my planning?
If you’re over age 55, the sooner the better. As you approach retirement age,
it’s important to evaluate your options and identify which assets you’ll use to
supplement your Social Security income.
7. Who can file a restricted application for only spousal benefits?
If you are born on or before Jan. 1, 1954 and have attained full retirement
age, you are able to file a restricted application. Your spouse must be entitled
to a retirement benefit.