YOUR SOCIAL SECURITY OPTIMIZATION
WHY YOU NEED A STRATEGY LONG BEFORE AGE 62 OR 65
Social Security is one of the only guaranteed, inflation-protected income sources you will have in retirement. Most people view it as a simple box to check on a government form. In reality, it is a high-stakes financial decision with over 2,700 rules governing it. Making a mistake when you file can lead to a permanent reduction in lifetime benefits, unexpected tax burdens, or missed opportunities to support a spouse. Once you file and pass the 12-month mark, your decision is completely irreversible.
The Age Factor:
Pinpointing your exact optimal filing age between 62 and 70 to maximize lifetime income.
The Tax Trap:
Designing a strategy to minimize how much of your Social Security is taxed by Uncle Sam.
Spousal and Survivor Coordination:
Ensuring your spouse is fully protected and that you maximize joint lifetime benefits.
The Working Penalty:
Navigating the strict earnings limits if you plan to work part-time while receiving benefits.
After taking the comprehensive Registered Social Security Analyst® Course, Shannon has passed a proctored exam and earned the RSSA® Certificate. She has received in depth training in Social Security regulations, including claiming strategies for different situations like Dual Entitlement, Spousal, Divorced, Disability and Survivor Benefits, as well as the Family Maximum. Determining when and how to claim your Social Security benefits can be challenging. There are over 2700 rules in the Social Security Manual, and Social Security Administration employees are prohibited by law from providing personal advice or individual analysis on claiming options. Shannon will balance your Social Security claiming choices with your overall financial and retirement plans. You’ll receive a comprehensive personalized Social Security Analysis, and advice that may provide you with thousands, or even tens of thousands of dollars more, in lifetime benefits. Call or email today!
