Social Security Planning

For most people, deciding when to retire is one of the biggest decisions they will make in their lifetime. Social Security often plays a significant role in many people’s retirement plan.

The way we like to think about Social Security is that it is an inflation-protected joint and survivor annuity insured by the US Government. In our practice we have seen Social Security payouts provide anywhere from a very insignificant part to a major piece of a client’s retirement income.


What should you consider before deciding when to begin Social Security Benefits?


  1. Life Expectancy
  2. Total Retirement Assets: 401(k), IRA, Other Investments
  3. Health / Long-term care expenses
  4. Expected income needs
  5. Inflation expectations
  6. Pension Benefits
  7. Tax Rates

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