Central NY and Syracuse Social Security advisor providing you with optimized options.
Our Social Security Advisor wants you to receive as much money as possible from Social Security. Almost everyone pays into Social Security. As part of your retirement plan it is a source of income for the future, but there are some variables to consider:
- You can start collecting your Social Security benefits as early as age 62.
- If you start collecting your Social Security benefits earlier than your FRA (full retirement age), it will be a reduced benefit.
- Once you begin to collect Social Security benefits your monthly benefit will only change with cost of living increases, which are minimal.
We use a life expectancy calculation to help determine the best time to start taking your Social Security benefits.
- Social Security does NOT provide a legacy benefit, meaning you cannot leave it to your children when you are gone.
If a spouse passes, the survivor does not receive both benefits. The widow/widower will receive the higher of the two benefits.
How a Social Security Advisor Will Help You Optimize Your Benefits
We offer a program that will show you how to optimize your Social Security benefits. A Social Security Advisor will educate you on which route to take that will work the best for you and your family. An advisor may suggest that you use your benefits at your FRA depending on your personal situation.
We have a calculator that is linked to the Social Security Administration website (ssa.gov). It allows you to calculate your Social Security monthly benefit. We encourage you to have an account with the SSA, so you can ensure that your information is always accurate.