Maximize Your Social Security
Build the foundation of a stable,

secure retirement income plan

Our Service


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.

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iInformational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Consult the actual policy or your agent for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services.

This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.

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The information contained within this website is provided for informational purposes only and is not intended to substitute for professional advice. In accessing this service, no client, advisory, fiduciary or professional relationship is implicated or established and neither Kilcrease financial,inc nor any other person is, in connection with this site, engaged in any professional services or advice. Internet subscribers, users and online readers are advised not to act upon this information without seeking the service of a professional. kilcrease financial,inc specifically disclaims any liability for any direct, indirect, incidental, consequential or special damages arising out of or in any way connected with access to or use of the website (even if kilcrease financial,inc has been advised of the possibility of such damages), including liability associated with any viruses which may infect a user’s computer equipment.

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