Social Security Optimization
Social Security benefits have unique features that many other retirement assets simply can’t offer. Your Social Security Benefits are:
- Adjusted annually for inflation
- Tax-advantaged—at worst, it’s only 85% taxable as normal income
- Lasts as long as you live
- Guaranteed by the United States Government
With such advantageous features, Social Security is an asset retirees can’t afford to overlook. One of the biggest factors in optimizing these benefits is deciding when to take them. This is particularly true for married couples, who could retire, apply for benefits, and pass away at different ages. Making an informed decision could mean tens of thousands in extra retirement dollars.
We help you consider all major Social Security Benefits, such as:
- Retirement Insurance Benefits
- Spouse’s Insurance Benefits
- Divorced Spouse’s Insurance Benefits
- Social Security Disability Insurance Benefits
- Child In-Care Spouse’s Insurance Benefits
- Widow(er)’s Insurance Benefits
- Divorced Widow(er)’s Insurance Benefits
- Child’s Insurance Benefits
- Childhood Disability Benefits
- Surviving Child’s Insurance Benefits
- Father’s and Mother’s Insurance Benefits
We consider all major Social Security Benefits rules:
- New Social Security law and grandfathering rules
- Early benefit reductions
- Delayed retirement credits
- The earnings test
- Adjustment of the reduction factor
- Re-computation of benefits
- Option to suspend and reinstate retirement benefits
- Family maximum
- Combined family maximum
- Disabled family benefit maximum
- RIB LIM on widow(er) benefits when deceased spouse claimed early
- Windfall Elimination Provision (WEP)
- Government Pension Offset (GPO)
- Restricted application and deeming rules
- Alternate widow(er)’s benefits when the deceased spouse died before age 62
Schedule your consultation TODAY!
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