Happy senior woman embraces her son

Social Security Benefits Planning

You have paid a portion of your paycheck to the Social Security Administration for years. At some point, between the ages of 62 and 70, you will make an important, one-time decision of when you (and a spouse) elect to receive those benefits. Filing too early can result in a reduced monthly benefit for life, while filing too late might delay income unnecessarily. The right strategy balances both personal financial needs and potential future benefits.

We are here to understand your unique situation and goals and recommend the optimal filing strategy for you (and your spouse). Mark Keffer is a National Social Security Advisor certificate holder (NSSA). The plan that we provide is customized to your unique circumstances, and takes into account Benefit Maximization, Spousal and Survivor Benefits, Benefits for Divorced Spouses, Tax Implications, and Avoiding Costly Mistakes.

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Retirement Income Planning

Social Security was never meant to be the sole source of income for retirees. President Dwight D. Eisenhower said, “The system is not intended as a substitute for private savings, pension plans, and insurance protection. It is, rather, intended as the foundation upon which these other forms of protection can be soundly built".

Our Retirement Income Plan offers an analysis of your comprehensive financial picture, including Social Security, Healthcare/Medicare, Investments, Insurance, and Income and Expenses (current and projected). We will learn about your dreams and goals, analyze your current financial situation, build a plan that is right for you, and help implement plan recommendations on an agreed upon timetable. 

Women in transition

Advanced Planning

Some financial planning situations are more complex and demand more specialized and advanced care. Examples include Divorce, caring for a family member with Special Needs, College Planning, Small Business Planning, and Estate Planning. If you have advanced planning needs, please let us know, and we can create a customized plan that coordinates with your legal and tax experts, and other professionals.