Social Security Optimization

Making personal savings last

Potential tax-free retirement

How Social Security is calculated

Spousal Benefits vs Survivor Benefits

Independently Entitled Divorced Spouse

WEP & GPO

Potential Tax-Free Retirement

Few people truly understand how a retirement income plan that is more heavily weighted in in Social Security can be considerably more tax efficient than a retirement income plan that minimizes social security. For example, a married couple who attains FRA (full retirement age) in 2022 may leverage Social Security to deliver as much as $120,000 in tax free retirement income because of how social security is taxed.

The taxation of Social security is based on provisional income, which is taxed differently than ordinary income and capital gains.

The key to minimizing taxes in retirement is understanding the relationship between provisional income and how withdrawals from pensions, annuities, taxable, tax-deferred and tax-free accounts determine your overall taxes in retirement.

To learn more about how to optimize social security and minimize taxes in retirement, attend our Social Security Optimization masterclass that is available 24 hours/ day 7 days a week.

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Register for our next Social Security masterclass.

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