Most People Make This Decision Without a Plan
Most people make their Social Security decision:
- Based on incomplete information
- Without understanding long-term impact
- Or after getting conflicting advice
And once you file… you don't get a second chance.
A Structured Optimization Analysis
We provide a structured Social Security Optimization analysis designed to help you make a confident, informed decision — not a guess.
How It Works — 5 Steps
15-Minute Discovery Call (No Cost)
We answer basic questions and determine if this is a good fit for your situation.
Strategy Engagement (Paid Service)
If you decide to move forward, we begin a full optimization analysis.
Data Collection
We gather your Social Security, income, and retirement details to build an accurate picture.
Strategy Build
We create your personalized claiming strategy based on your unique financial situation.
Strategy Review (Zoom)
We walk through your options, scenarios, and recommendations together.
What You Get
Social Security Analysis & Consultation
One-time planning service. Not an ongoing fee. The initial 15-minute discovery call is always at no cost.
Individual
Who qualifies?
- Single
- Divorced
- Widowed
What you get:
- Explanation of Social Security rules, benefits, and eligibility
- Claiming strategy options including monthly, annual, and lifetime benefit amounts
- Strategies to avoid reduced benefits
- When & how to file for your benefit options
- 45-minute consultation with your RSSA®
- Customized hard copy presentation outlining your plan
Combined
Who qualifies?
- Married
- Head of Household*
Everything in Individual, plus:
- Strategies specific to spousal and survivor benefits
- Understanding benefits for children and family maximums
- Longevity scenarios
- Cost of living adjustments
- Possible pension reduction calculations
*Children considered eligible if under 18; under 19 and in high school; or disabled prior to age 22.
SETARA
Who qualifies?
- Business Owners
- Self-Employed
What you get:
- Customized Self-Employed Tax & Retirement Analysis (SETARA)
- Strategically lower payroll taxes
- Maximize future retirement benefits
- Save thousands in Social Security & Medicare taxes
- Ideal for S-Corp owners aged 55+ who've paid into SS for 20+ years
- Plan to optimize salary vs. distributions
- Can be shared with your CPA or tax professional
Social Security FAQ
You can start as early as 62, but your benefit will be permanently reduced. Waiting until Full Retirement Age (66-67) gives you 100%. Delaying to 70 increases it by ~8% per year. The best age depends on your health, finances, and other income.
If you're married (or were married for 10+ years), you may be eligible for up to 50% of your spouse's benefit — even if you never worked. We help couples coordinate strategies to maximize household income.
Yes, but before Full Retirement Age, benefits may be temporarily reduced if you earn above certain limits. After FRA, there's no earnings penalty — and any withheld benefits are factored back in.
The initial 15-minute discovery call is always free. If you choose to move forward with a full optimization analysis, it is a one-time paid planning service. This service is separate from our insurance services.