For the majority of Americans, our Social Security account is the largest single investment vehicle we own. This is true for well over 75% of the population. This represents decades of our working lives or of our family’s lives, and a massive amount of money flows through the Social Security System every year. As of this writing it’s $1.232 Trillion a year.
Here is the scary truth:
- 96% of us will lose out on an average of $57,000 of our money due to not optimizing our filing strategy per person.
- The number above is over $100,000 on average for a couple.
A personal story drives this point.
After more than 30 years of marriage, my mother and father divorced. My father would have been considered a high earner over the course of his lifetime. My dad remarried and his 2nd marriage lasted 5+ years before he passed away in 2009. My stepmother is 13 years younger than my dad- so there is a significant age gap.
Upon his passing, my mother would have been entitled to an increased benefit for her years of marriage to my dad. My stepmother, who was not yet 60 at the time of his death would have been entitled to spousal death benefit form the time she turned 60 until the time she filed for SS benefits. She filed at age 70, as she is a force of nature and just loved to work. But the harsh reality is this, she is rightfully entitled to over $3,000 a month for 10 years. My family left over $360,000 on the table of money that was rightfully ours for no damn good reason. The reason nobody told us or gave us correct information.
Please don’t let this happen to you!
National Social Security Advisor (NSSA)
We are proud to have earned the professional designation of National Social Security Advisor (NSSA), a group which counts 2,750 professionals across the country. The group was founded by a CPA with a Masters degree in Tax, with his business partner who has 35 years working in Social Security as a supervisor with the sole purpose of making sure hard working folks like you have a fighting change in a game where the vast majority of people lose.
Make no mistake about this – this is absolutely your money; you have worked decades for it and the only reason you are not optimizing your filing strategy is that nobody is telling you how.
The numbers don’t lie – there are over 21,647 different possible filing strategies – how on earth are you supposed to know what is best for you?
Do you love to win more or hate to lose more?
For me, I hate to lose. It drives me crazy. In this case, the only way to win is to not lose. Fear of losing is a powerful human emotion. In this case, 96% of Americans lose and lose big on your money – money that you have literally spent your entire working career earning. Think about what you could do with an extra $57,000 for you. Another $57,000 for your spouse on average.
Now think about the reality. 96% of us are setting this money on fire and not even getting the warm glow of the fire to enjoy.
Most Social Security Advisors charge $550 – $1000+ for an optimization report. Our fee is substantially less – we charge $400 to prepare and deliver your personalized report. You can break this down into 2 equal payments if you prefer, but let’s do the math.
Take the average loss of $57,000 and compare that to the $400 fee. For every extra dollar of your money you get back – it costs you 7/10ths of 1 cent. Less than a penny a dollar.
Social Security Optimization is a pivotal leg to not losing money. The odds are overwhelmingly stacked against you. It’s your money – get paid every dollar you are entitled to.
