Most households leave money on the table when they file for Social Security, usually because they file too early, without coordinating with their spouse, and without modeling the tax impact.
The right filing strategy depends on
- Your age and your spouse's age.
- Your full retirement age (FRA), which varies by birth year.
- Your earnings record and your spouse's.
- Your other retirement income.
- Your health and longevity expectations.
- Your tax bracket.
How we help
- File at 62, FRA, or 70, for both spouses.
- Spousal benefits and survivor benefit interactions.
- Working-while-collecting math (the earnings test).
- Tax-bracket coordination, sometimes filing later allows years of low-bracket Roth conversions in early retirement.
We deliver a clear filing recommendation, in writing, with the math behind it.