Social Security Benefit Max™

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Social Security Retirement-Benefit Strategies

Your Social Security Retirement income is not a foregone conclusion.

You have options—more than anything the Social Security office is qualified to tell you—that could impact your net lifetime benefit value by hundreds of thousands of dollars.

You Need a Benefit Max™ Plan

If you’re approaching retirement, don’t fill out any Social Security paperwork until you’ve had a meeting with your Huth Thompson tax and wealth-management advisor.

We’ll consult with you regarding all the variables—such as your tax profile, your health, your marital status, your spouse’s income and so forth—that will determine your best Social Security benefit strategy, as a key component in your overall retirement plan.

Let’s look at some examples.


Profile

Jerry is a salesman, age 62. Paula is 60 and was a stay-at-home mom. Jerry's family history says he is not likely to live beyond 70. But Paula can go on well into her 90s.

As they consider filing for benefits, they have two routes they can take:

  1. Walk into the Social Security Office
    Jerry informs the Social Security official that, due to his short life expectancy, he wants to collect early. Can you blame the guy?

    —OR—

  2. Walk into the Huth Thompson Office
    Jerry AND Paula are interviewed extensively. Huth Thompson explains and shows how the survivor benefit to Paula works upon Jerry's death, advising that it makes more financial sense to wait a few years before filing.

The Difference

Jerry and Paula implement the Huth Thompson action plan and can now look forward to an additional $67,000 in combined lifetime benefits.


Profile

Mike is a teacher, age 66. Linda is an attorney, also 66. They are both in excellent health and expect to live longer than average life expectancies.

At this point, with retirement in their sights, they have one of two choices to make:

  1. Walk into the Social Security Office
    Mike and Linda both tell the Social Security official they're ready to collect their respective benefits based on their work histories. Makes sense, right?

    —OR—

  2. Walk into the Huth Thompson Office
    Mike and Linda are interviewed extensively. Huth Thompson explains and shows how choosing a different tactic provides them with much more cash flow over their life expectancies.

The Difference

Mike and Linda implement the Huth Thompson action plan and can now look forward to an additional $38,000 in combined lifetime benefits—and MUCH more if they live beyond their life expectancies.

For 360° Wealth Management

Choose where you'd like to begin, but don't hesitate to engage with any questions you might have.

Lafayette - Phone: 765.428.5000 • Fax: 765.428.5700
Rensselaer - Phone: 219.866.5196 • Fax: 219.866.5835