Retirement planning
Social Security Optimization Analysis
Social Security is a core part of your retirement cash flow, and the decision about when and how to claim is close to permanent once it is made. We look at your options, in plain terms, before you choose.
- When to claim: the age and method that fit your income needs and the rest of your plan.
- A claiming plan that fits your age, your income, whether you are married, and what you want from retirement.
- Spousal and survivor benefits, whether you are married, divorced, or widowed.
- How Social Security fits with your other retirement income and your taxes.
- How to coordinate both spouses' benefits for the household as a whole.
- When to claim a survivor benefit.
- Whether waiting to claim makes sense for you.
- Whether you can claim on a former spouse's record.
- How Social Security works alongside pensions, IRAs, and Roth conversions.
With your permission, we share the results with your CPA before you make a decision that affects your tax return.