There are many factors to consider before you decide which Social Security benefits strategy is the best for you (and your spouse, if married). Below you’ll find a list of factors that are necessary to review in order to maximize your benefits for retirement planning. Are you a U.S. citizen? When do you plan on.. read more →

There are several types of Social Security benefits. Those benefits are: Worker Spousal Ex-spousal Children Survivor/Widow (er) Disability Medicare Social Security representatives are trained to provide you the highest benefit today. They are not trained to provide guidance on maximizing your lifetime benefits. It is important to note that when one spouse files, it may.. read more →

Many people are confused as to how Social Security calculates the amount of benefits you will receive. I have listed the basics below in an effort to help demystify the calculation. To calculate your Social Security benefits, Social Security uses the highest 35 years of “covered” work. These years do not have to be consecutive… read more →

Every time I pick up an article about the fears of retirement, it never fails that, outliving retirement savings is always at or near the top of the list, followed by declining health and health care costs. If that’s the case, why do so many people make this one-time decision emotionally and in a vacuum?.. read more →

Most people spend more time planning their annual vacation than they do planning their Social Security claiming strategy. The average couple could have a lifetime annuity of over $1,000,000. Yes, you read that correctly, ONE MILLION DOLLARS. This could be the most important retirement decision a couple could make. It’s a one-time decision that is.. read more →