Social Security Optimization

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The Importance of Optimizing Your Social Security Retirement Income

For most people, Social Security accounts for the majority of monthly income during their retirement years. With very few exceptions, it is also the only retirement income that is (somewhat) adjusted for rising inflation. Pensions have slowly been going away as they have become too costly to insure and administrate for the companies who have offered them in the past.

What most people do not understand is that there are a few hundred different ways for you and your spouse to claim Social Security Benefits. And for widows, widowers and divorcees, it gets even more complicated.

- The employees at the Social Security office are not allowed to give you advice on a strategy that would best suit you and your family.- 

Since most people only apply for benefits once in their life, therefore it is important you understand that how you (and your spouse, if applicable) apply for your benefits can result in a significant difference in the amount of Social Security you receive over the remainder of your life.

The other fact you should be aware of is that your Social Security benefit is actually “means” tested. In short, the more income you make or receive in retirement, the more you are forced to pay in Medicare premiums. Therefore, since you are required to sign up for Medicare (at age 65) in order to receive your Social Security Benefit, your level of retirement income affects the premiums you pay for Medicare, which are then deducted from your Social Security check. (See How Much does Medicare Cost? )

In light of these facts, it is important you understand that how you (and your spouse, if applicable) apply for your benefits can result in a difference in the amount of Social Security received over the remainder of your life.

Each customer will receive a Social Security Optimization Report and Social Security Strategy Report.

Our Social Security Optimization Report will tell you the most efficient way to apply for your Social Security retirement benefits so that you can maximize your benefit based on your current age and life expectancy. SS Optimization Report (Example)

Our Social Security Strategy Report will allow you to compare the different ways you (and your spouse) claim your benefits. SS Claiming Strategy Report(Example)

The reports cost only $249 and includes phone assistance by someone Certified as a National Social Security Advisor. This is a small price to pay to ensure that you have explored all your options so that you make the most of applying for your Social Security benefits.

Please take a few minutes to review the instructions for entering your data in the portal below. Social Security Optimization Questionnaire Instructions

The only information we require is that you should know your current estimated full retirement amount (FRA) which can be taken from your Social Security statement found at SSA.gov. (See How to Obtain your Social Security Statement Online )

The questionnaire is not complicated and should only take 10-15 minutes to complete. Once you have submitted your Social Security and credit card information, you will receive an e-mail confirming your purchase, as well as the information that you entered into the questionnaire.

Although most reports will be sent to you within three to five business days via e-mail (unless otherwise requested) the reports can take up to ten business days to process as these reports are done manually by our National Social Security Advisors to ensure accuracy and that all factors are taken into account in the calculations. Again, each customer will receive a Social Security Optimization Report and Social Security Strategy Report.

It is important that you understand that we require a daytime contact number and an e-mail address ONLY for contacting you with questions we may have while completing your personalized report and to send you the reports once they are completed.

WE WILL NOT "SELL" YOUR INFORMATION!

WE WILL NOT ASK FOR (NOR DO WE REQUIRE) YOUR SOCIAL SECURITY NUMBER OR YOUR HOME ADDRESS.

Again, the only information we require is that you should know your current estimated full retirement amount (FRA) which can be taken from your Social Security statement found at SSA.gov. (See How to Obtain your Social Security Statement Online )

So, please take a few minutes to review the instructions for entering your data in the portal below. (Social Security Optimization Questionnaire Instructions) If you have questions or concerns, please refer to the PDF's below.

If you have questions about items on the questionnaire, please call us at 215-303-2813. We are available Monday to Friday, between the hours of 9am and 7pm Eastern time.

Please take a look at these useful documents before submitting your request for your Social Security Optimization and Social Security Strategy reports.

Scroll down to the questionnaire portal to initiate the process.

 

 

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