Social Security Maximization

Social Security has played an increasingly important role in retirees’ lives. More and more retirees will depend on their benefit check to help pay for their housing, food and medical needs. Despite its increasing importance, Social Security is hard to navigate.

  • When to Elect Social Security Benefits: your benefit is based on how much you earned during your working career. Each year you work adds to your lifetime earnings. A higher lifetime earnings may mean a higher benefit when you retire.
  • Deferring Social Security: your benefit will increase automatically by a certain percentage from the time you reach full retirement age until you start receiving your benefits or reach age 70.
  • Spouse’s and Survivor’s Benefits: spouses, divorced persons and surviving spouses can receive retirement benefits based on another person’s benefits. What will you leave for your loved ones?

 

How we can help:

  • Maximization Report: find out how much more you could earn by maximizing your benefits.
  • Spousal Benefits: restricted applications can create extra income while you still receive delayed retirement credits.
  • Survivorship Benefits: guarantee your survivors the highest benefit possible to help provide for them when you are gone.
  • Benefit Taxation: understand how working during retirement can affect your benefits.
  • Get expert advice on what you and your family can expect from Social Security. Identify and appeal unnecessary surcharges and put more money back in your check.
  • Review assistance programs for qualification. Veterans and low-income subsidy programs (“Extra Help,” Medicaid, etc) can help pay for long-term care costs, medicine and other necessities.
  • Create an income plan to avoid paying taxes on your Social Security benefits. The Social Security rules are complex.

 

We are not affiliated with or endorsed by the Social Security Administration or any government agency.