Are you getting close to claiming Social Security benefits? If so, did you know the difference between an optimal claiming strategy and a sub-optimal one can amount to thousands of dollars over a lifetime?

‍As independent financial planners, we’ve come to find the decision of when to apply for Social Security benefits is one of the most important decisions a retiree will face as it pertains to their monthly income during retirement.

Clearly, this is a decision that should not be made lightly or flippantly. The problem is the rules are complicated, confusing, and claiming strategies vary.

The good news is informed retirees who take the time to understand the claiming rules and apply the aspects of social security claiming strategies to their circumstances have a greater chance to improve their financial well-being in retirement.

A recent  survey found that 45% of retirees rely on the Social Security Administration itself for information related to their benefits. Although employees of the Social Security Administration office can assist you in applying for benefits, they cannot give you claiming advice to help you maximize benefits over your lifetime.​

Maximize your benefits. If you are married, single, divorced, or widowed and have never explored your Social Security benefit options, we invite you to call us to schedule a no-cost consultation to help you learn how you can maximize your social security benefits. We will give you a free social security report detailing your different benefit levels over multiple claiming scenarios so you can see the difference it would make in your retirement income.