Social Security Optimization

As holistic financial planners, we help you determine all Social Security strategies that are available to you (i.e. Social Security benefits from: current spousal benefits, former marriages, or a deceased spouse). Then, we help you determine the best time to collect Social Security.

As part of the planning process, we take into consideration how your Social Security benefits will interact with other income sources such as:

•    Employment income
•    Rental income
•    Pensions
•    Required Minimum Distributions (RMDs)
•    Dividends and interest
•    Capital gains

We also factor in family health conditions, spousal benefits, personal preferences, and more.

By analyzing your entire financial picture, we are able to choose a Social Security timing strategy that reduces your tax bill in retirement and optimizes your income stream.