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All written content on this site is for information purposes only. Opinions expressed herein are solely those of Samra Wealth Management, A Member of Advisory Services Network, LLC.  All information contained herein is derived from sources deemed to be reliable but cannot be guaranteed.  All economic and performance data is historical and not indicative of future results.  All views/opinions expressed herein are solely those of the author and do not reflect the views/opinions held by Advisory Services Network, LLC. The information and material contained herein is of a general nature and is intended for educational purposes only.  This does not constitute a recommendation or a solicitation or offer of the purchase or sale of securities. Before investing or using any strategy, individuals should consult with their tax, legal, or financial advisor.

© 2018 by SAMRA WEALTH MANAGEMENT, A Member of Advisory Services Network, LLC.

Social Security Planning

Married couples may have some advantages when deciding how and when to claim Social Security. Even though the basic rules apply to everyone, a couple has more options than an individual because each member of a couple can claim at different dates, and may be eligible for spousal benefits.

When should you claim social security?

We use financial planning software to run various collection strategies for our clients to see which strategy could result in the greatest combined lifetime benefits.

  • Assessing the Social Security benefits of married, widowed, divorced and single clients, including spousal and survivor benefits where applicable.

  • Comparing benefits from multiple distinct collection strategies to automatically provide the strategy with the highest average lifetime benefits.

  • Customized calculations based on estimated Social Security benefits, government pensions, cost-of-living adjustments and investment returns.