Social Security Planning
Good Planning = Social Security Maximization
Many people who make the decision to file for Social Security benefits don’t have a clue why and when they should do this. This is one of the largest decisions that you will ever make, with a very long-lasting effect: for the rest of your life! Given the stakes, you can see why it’s important to make the right decision.
It is not the job of a Social Security employee to advise you how to file to get the maximum benefit. They are there to enact and initiate your decision. To obtain qualified advice, you must consult a financial professional who understands your circumstances and has your interests at heart.
I use software that downloads your annual Social Security contributions directly from the government’s Social Security website. I am then able to run different scenarios to determine the maximum amount you can draw from Social Security over the course of your lifetime. Based on your own circumstances and life expectancy, we can explore alternatives to find the best option for you.
Should you start receiving benefits at age 62, 66, or 70? You could discuss a life decision of this magnitude with a stranger, or you could work with a dedicated advisor who is looking out for you. It’s your choice.