Social Security Consultation
Navigating Social Security benefits can be complex, with decisions that can significantly impact your lifetime retirement income. At Transitions To Retirement LLC, this service was built on more than 30 years of working directly with seniors to help them improve their retirement experience, reduce stress, and make confident financial decisions.
We provide personalized guidance that includes:
We provide personalized guidance that includes:
Understand the optimal age to begin claiming Social Security benefits, balancing your health, work status, and income needs to maximize lifetime value.
Learn the nuances of spousal, survivor, and disability benefits, ensuring you take full advantage of every option you’re entitled to.
Discover how your Social Security income may be taxed based on your total earnings and plan ahead to minimize surprises.
Receive strategies tailored to your retirement goals and financial situation, backed by decades of real-world experience.
Our role is simple: to provide clear, expert advice for life—so you can confidently make decisions that protect and enhance your financial security throughout retirement.
A simple, one-time $250 fee covers lifetime consulting and advice for both spouses—including Medicare, Social Security, proactive tax planning (IRMAA), income planning, legal document guidance (Wills & POAs), veterans benefits, and long-term care planning.
No renewals. No hourly billing. Just answers when you need them. See what’s included.
Transitions To Retirement LLC Consulting
Your FRA is based on your birth year—usually 66 or 67—and determines when you can claim 100% of your Social Security benefits. Claiming earlier means permanently reduced benefits, while delaying up to age 70 increases your monthly amount by about 8% per year.
Yes—for up to 12 months after first applying, you can cancel your claim and restart it later. This flexibility can help maximize benefit value in changing circumstances.
Before your FRA, yes—Social Security deducts part of your benefits if your earnings exceed an annual limit. But those reductions are credited back once you reach full retirement age.
While trust fund projections show potential shortfalls starting around 2033–2035, experts say benefits will continue—though possibly reduced—unless Congress acts
Your benefit amount is based on your top 35 years of indexed earnings and your AIME (average indexed monthly earnings), then multiplied by a formula that’s progressive—so lower earners receive a higher replacement rate.