Social security

Social Security Optimization

Social Security benefits have unique features that many other retirement assets simply can’t offer. Your Social Security Benefits are:

  • Adjusted annually for inflation
  • Tax-advantaged—at worst, it’s only 85% taxable as normal income
  • Lasts as long as you live
  • Guaranteed by the United States Government

With such advantageous features, Social Security is an asset retirees can’t afford to overlook. One of the biggest factors in optimizing these benefits is deciding when to take them. This is particularly true for married couples, who could retire, apply for benefits, and pass away at different ages. Making an informed decision can mean tens of thousands in extra retirement dollars.

Smarter Retirement Solutions partners with America’s Social Security expert, Dr. Laurence Kotlikoff. By utilizing his world-class technology, we can ensure that your Social Security decisions are optimized for your particular family situation. ;

This state-of-the-art software is comprehensive and powerful. We cover all cases, benefits, rules and provisions. ;We will show you when and how to file to achieve the highest lifetime benefits.

The software is fully compliant with the Bipartisan Budget Act of 2015, Guidance on Deeming Rules, and the Tax Cuts and Jobs Act of 2017.

We help you consider all major Social Security Benefits such as:

  • Retirement Insurance Benefits
  • Spouse’s Insurance Benefits
  • Divorced Spouse’s Insurance Benefits
  • Social Security Disability Insurance Benefits
  • Child In-Care Spouse’s Insurance Benefits
  • Widow(er)’s Insurance Benefits
  • Divorced Widow(er)’s Insurance Benefits
  • Child’s Insurance Benefits
  • Childhood Disability Benefits
  • Surviving Child’s Insurance Benefits
  • Father’s and Mother’s Insurance Benefits

We consider all major Social Security Benefits Rules

  • New Social Security law and grandfathering rules
  • Early benefit reductions
  • Delayed retirement credits
  • The earnings test
  • Adjustment of the reduction factor
  • Re-computation of benefits
  • Option to suspend and reinstate retirement benefits
  • Family maximum
  • Combined family maximum
  • Disabled family benefit maximum
  • RIB LIM on widow(er) benefits when deceased spouse claimed early
  • Windfall Elimination Provision (WEP)
  • Government Pension Offset (GPO)
  • Restricted application and deeming rules
  • Alternate widow(er)’s benefits when the deceased spouse died before age 62

Schedule your consultation today!

Optimize your Social Security