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Social Security Optimizer

As you transition into retirement, one of the first major decisions you will face is deciding when to claim Social Security. Like many people, you may be planning to file for benefits as soon as you reach eligibility at age 62. Why not? You’ve earned it and, with the program’s uncertain future, who knows whether the money will be available if you decide to wait. It’s also likely that you have performed basic calculations and arrived at the conclusion that, since the benefits are so small, when you apply will have little impact on your long-term financial position.

However, that’s not necessarily the case. Here are the facts:

If you are 58, single, and slated to receive $14,400 annually from Social Security, your lifetime disbursements can range from $470,000 to $646,000.

If you are 58, married, with an annual benefit of $14,400, and your 60-year-old spouse is projected to receive $29,000 per year, your total combined benefits could range from $1 million to $2 million.

Whether you are single, married, divorced, or widowed, many strategies are available to help you get the most out of your lifetime benefits. Unfortunately, hundreds of calculations, guidelines, and rules deter most people from determining the most lucrative path.

We can help. We have developed a unique planning tool that not only reveals the full range of benefits that you may be eligible to receive, but also performs a variety of “what if” scenarios to uncover your most advantageous filing date and claiming approach.

Contact us to schedule an appointment to help you investigate all options before you make this potentially life-changing decision. After our meeting, you will receive a complimentary copy of The Guide to Social Security, our clear and comprehensive handbook that helps simplify the Social Security filing process.