Retirement Services
Maximize Your Social Security Income
The SSA can only answer account related questions, they can not provide advice on your best options for claiming your benefits. A miscalculation on filing can result in tens of thousands of dollars in lost income. Getting a full analysis by a Registered Social Security Analyst can demystify the process and give you an unbiased strategy designed to maximize your benefits
Individual Strategy Session
Best for Single Filers, Divorced Individuals and Widows/Widowers
1. An initial consultation via Zoom or phone to learn more about your goals and concerns. At this first session we will start gathering the information needed to put together a full analysis of your claiming options and make sure that all of your questions are answered.
2. After our initial meeting and once we have gathered all the necessary data from you and from the SSA, we will generate a highly detailed Roadmap Report outlining:
- Your Lifetime, Annual and Monthly Benefit options based on your claiming age
- Earnings Limits if you are planning on continuing to work before your Full Retirement Age
- Potential tax implications depending on when you intend to file for your benefits
- Ex-Spousal benefit options and when to file for them if applicable
- Survivor benefit options and when to file for them if applicable
- Exactly when and how to file for your Benefits when the time comes
3. Once our report is finalized we will schedule another one-on-one Zoom or phone consultation to go over the Roadmap Report in detail and cover any additional concerns including:
- How your SS Benefits will work with Medicare when you become Medicare eligible
- Pre-retirement income options outside of SS if we find that it's best to delay claiming.
- Bridge to Medicare health insurance options if needed
4. Ongoing annual reviews at no additional cost to make sure that your plan is up to date depending on what life throws at you.
One Time Consulting Fee of $395
Couples Strategy Session
Best for Married Couples Filing Jointly
1. An initial consultation via Zoom or phone to learn more about your goals and concerns. At this first session we will start gathering the information needed to put together a full analysis of your claiming options and make sure that all of your questions are answered.
2. After our initial meeting and once we have gathered all the necessary data from you and from the SSA, we will generate a highly detailed Roadmap Report outlining:
- Your Joint Lifetime, Annual and Monthly Benefit options based on your claiming ages
- A detalled breakdown on how the timing of both enrollments will affect the other.
- Survivor earnings projections
- Earnings Limits if one or both of you are planning on continuing to work before your Full Retirement Age
- Potential tax implications depending on when you intend to file for your benefits
- Exactly when and how to file for your benfits when the time comes for both of you
3.Once our report is finalized we will schedule another one-on-one Zoom or phone consultation to go over the Roadmap Report in detail and cover any additional concerns including:
- How your SS benefits will work with Medicare when you become Medicare eligible.
- Pre-retirement income options outside of SS if we find that it would be best to delay claiming.
- Bridge to Medicare health insurance options if needed
4. Ongoing annual reviews at no additional cost to make sure that your plan is up to date depending on what life throws at you.
One Time Consulting Fee of $595
SETARA (Self Employed Tax and Retirement Planning)
For Self Employed Individuals and Couples
1. An initial consultation via Zoom or phone to learn more about your goals and concerns. At this first session we will start gathering the information needed to put together a full analysis or your claiming options and make sure that all or your questions are answered.
2. After our initial meeting and once we have gathered all the necessary data from you and from the SSA, we will generate a highly detailed Roadmap Report outlining:
- Your Joint Lifetime, Annual and Monthly Benefit options based on your claiming ages
- A detailed breakdown of how the timing of both benefit enrollments will affect the other.
- Survivor earninas projections
- Earnings Limits if one or both of you are planning on continuing to work before your Full Retirement Age
- Potential tax implications depending on when you intend to file for your benefits
- Exactly when and how to file for your Benefits when the time comes for both of you
3. Once our report is finalized we will schedule another one-on-one Zoom or phone consultation to go over the Roadmap Report in detail and cover any additional concerns including:
- How your SS Benefits will work with Medicare when you become Medicare eligible
- Pre-retirement income options outside of SS if we find that it's best to delay claiming.
- Bridge to Medicare health insurance options if needed
4. The SETARA Analysis also includes:
- Analysis of potential future income and your potential Self Employment Taxes going forward
- Side-by-Side comparison of Self Employment or FICA taxes vs return on those taxes as you approach your retirement years
- Ongoing support and analysis reviews as you get closer to retirement
5. Ongoing annual reviews at no additional cost to make sure that your plan is up to date depending on what life throws at you.
One Time Consulting Fee of $995
How Can We Help You Today?
At Founders Life & Health, we’re here to make insurance simple and personal. Whether you need help choosing a Medicare plan, exploring health insurance options, or adding dental and vision coverage, we offer expert guidance tailored to your needs. Let us help you find peace of mind and the right coverage for every stage of life.
