Social Security Analysis

Social Security is a big part of your retirement, but most people don't even realize it!  In some cases, Social Security benefits can total over $2,000,000 during a couple's lifetime!  You paid into Social Security.  Now make sure you get the most out of it!  

Knowing when and how to claim Social Security benefits can be a complex issue.  For married couples, the complexity is exponentially greater.  Making the best decision for you, given your circumstances, is extremely important and can have a huge impact on the overall cumulative benefits you may receive from Social Security.

At CF Services Group, Inc., we can help you determine the best approach to claiming Social Security benefits given your individual circumstances.  We'll prepare a report for you which will show how making decisions ahead of time can make a huge difference down the road.  We look at early retirement options as well as delaying collecting benefits to build credits and increase your benefit.  We also look at coordination of spousal benefits as well as options to "file and suspend" in order to maximize your cumulative benefits.

This analysis is a vital part of your overall retirement plan.  You really don't want to make a decision until you've reviewed your individual analysis.  The graph below shows a real life example we ran.  In this example, knowing when and how to claim Social Security benefits could make a $430,000 difference by age 90.