Social Security: Make smarter decisions to maximize your lifetime benefits

Social Security benefits are a cornerstone of retirement income for millions of Americans. Yet, when and how you claim can dramatically impact your financial future.

That’s why more people are turning to fee-only, fiduciary financial advisors for guidance—professionals who work in your best interest and help you avoid costly mistakes.

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Social Security Planning Matters

Choosing the right time to claim Social Security isn’t simple. An expert advisor can answer key questions such as:

What’s the best age to claim based on your unique goals and health outlook?
How do your earnings history and work credits influence your benefit amount?
What claiming strategies work best for couples, including spousal and survivor benefits?
How should Social Security fit with other retirement income sources, such as 401(k), IRA, and pensions?
What tax implications should you plan for—and how can you minimize them?

Social Security Planning Challenges

Common Social Security Planning Challenges

Many retirees leave money on the table simply because they don’t understand their options. Here’s where a fiduciary advisor might add real value:

two men and a woman reviewing reports in front of a computer.

Helping you understand your full retirement age and how claiming earlier or later impacts your monthly benefits

Analyzing your earnings record to estimate your expected Social Security payments and identify ways to maximize them

Evaluating spousal, survivor, and disability benefits to ensure you and your family receive all available income

Coordinating Social Security benefits with your other retirement income sources to create a sustainable and tax-advantaged retirement income plan

Identifying potential tax implications of Social Security income and recommending strategies to minimize the tax burden

Exploring advanced claiming strategies, such as file-and-suspend or restricted applications, when appropriate

Monitoring legislative changes that may affect Social Security rules and benefits to keep your plan up to date

Maximize your Social Security income with trusted advice you can rely on

Wealthramp will never sell your personal data to any advisor. You decide when and how to connect with recommended advisors. And you won't receive any pushy sales calls from Wealthramp.

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Avoid These Costly Social Security Mistakes

Without a plan, it’s easy to make missteps that can cost you dearly. Common mistakes include:

Claiming Social Security benefits too early and missing out on higher monthly payments

Overlooking spousal or survivor benefits that could significantly increase household income

Failing to coordinate Social Security with other retirement income sources for tax-optimized cash flow

Ignoring the tax impact of Social Security benefits and paying more than necessary

Missing opportunities to use advanced claiming strategies that could boost lifetime benefits

Work with an expert to avoid these Social Security claiming mistakes

Wealthramp will never sell your personal data or any information to an advisor. You decide when and how to connect with recommended advisors. And you won't receive any pushy sales calls from Wealthramp.

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