Social Security Maximization

We believe…

  1. You deserve the most Social Security possible
  2. You need help maximizing your Social Security
  3. The government can’t and won’t help with your filing decision


  1. You’ve paid into Social Security for over 30 years
  2. There are over 10,000 possible Social Security filing choices for an average couple
  3. There are over 2700 rules in the Social Security Handbook

The one question most people have regarding Social Security is, “When should I take it?”. We believe you should look at differently. Instead, ask, “How much is my Social Security worth?” In many cases the total lifetime value of your Social Security benefits is well over $1,000,000. From that perspective, it makes sense to put real effort in to making the best Social Security filing decision possible.

So, how do you get the most Social Security income in retirement? For the average American couple, you have 96 basic Social Security filing choices. You can take Social Security as early as age 62 or wait until age 70. You can also take Social Security any month between age 62 and age 70. Now if husband and wife can each make 96 potential choices, that is over 9216 possible combinations. And that doesn’t even include the many spousal benefit options which increases the outcomes exponentially. Each fling strategy has its own unique household lifetime income amount.

Others may require you to pay back Social Security benefits you have already earned. We believe you have worked hard, contributed to Social Security for decades and deserve to maximize your Social Security income in retirement. Don’t make common errors many of your friends are making. For goodness sake, don’t make a Social Security filing decision based on what your friends and family are doing. Your situation is unique. We consider your income need, income timing, health, employment, current assets, and taxes when helping our clients make this monumental decision.

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