Claim with Precision, Not Guesswork.

We run breakeven analyses across hundreds of filing permutations, highlighting the month where cumulative income overtakes earlier or later choices.

Strategies such as restricted application, file-and-suspend*, and survivor benefit maximization can help ensure the higher-earning spouse’s benefit lasts the longest and the surviving spouse keeps the bigger check.

*Applies to individuals born before 1954 only.

Personalized life-expectancy scenarios show how delaying (or accelerating) benefits impacts total income and portfolio withdrawal pressure.

We map provisional-income thresholds, Roth-conversion windows, and Medicare premium brackets to help ensure your claiming age aligns with a lower lifetime tax bill, not surprise surcharges.

For clients who keep working before Full Retirement Age, we quantify withheld benefits, future adjustments, and net after-tax pay so you know the real cost of earning over the limit.

Simulations account for cost-of-living adjustments and varying inflation paths, to help ensure today’s strategy still works under tomorrow’s prices.

Social Security cash-flows slot into your broader retirement-income map, and help balance portfolio withdrawals, pensions, and guaranteed annuity payouts for durability.