Claiming Social Security at the wrong time, in the wrong order, or without coordinating spousal benefits is one of the most costly retirement mistakes Americans make — and most never know it happened. A certified RSSA® analysis finds your maximum lifetime benefit and builds a strategy around it.
A Registered Social Security Analyst is a credentialed specialist trained exclusively in Social Security optimization — far beyond the surface-level knowledge most general financial advisors carry.
The Social Security Administration cannot give you personalized advice — by law, they can only tell you your estimated benefit. An RSSA® provides the strategic analysis the SSA cannot: when to claim, in what order, how to coordinate with your spouse, and how to integrate the decision with your full retirement income plan.
Social Security is far more complex than most people realize. The rules around timing, spousal benefits, survivor income, taxation, and Medicare interaction create hundreds of possible combinations — most of which are never explored without a professional analysis.
Every year you delay claiming between 62 and 70 changes your monthly benefit permanently. We model your break-even point, longevity scenarios, and lifetime totals to find the age that maximizes your outcome — not just your monthly check.
Married couples have up to hundreds of possible claiming combinations. The order in which each spouse claims — and when — can mean $50,000–$100,000 or more in additional lifetime income. We optimize the strategy for both lives, not just the higher earner.
If you or your spouse receive a government pension, the Windfall Elimination Provision or Government Pension Offset may reduce your Social Security benefits significantly. We identify the impact and build your strategy around it.
Up to 85% of your Social Security benefit may be taxable — and claiming at the wrong time can push you into a higher Medicare premium bracket. We factor both into your income sequencing strategy.
Your Social Security decision affects when to draw from IRAs, how to time annuity income, and what your Medicare premiums will be. We don't analyze Social Security in isolation — we build it into your complete retirement income picture.
* Optimal claiming age depends on your unique situation — health, marital status, income, and more. One size never fits all.
Not sure if a Social Security analysis is right for you? Start with a free 15-minute call with Hayden McCrory, RSSA®. We'll talk through your situation honestly — and if an analysis isn't what you need, we'll tell you that too.
