All federal employees
Social Security Timing
Decide when to claim Social Security to maximize lifetime benefits for you and your spouse.
Overview
When you claim Social Security can change your lifetime benefit by tens of thousands of dollars. We model claiming strategies for you and, if married, your spouse — including spousal and survivor benefits and how they interact with your federal pension.
What We Review
- Claiming at 62, full retirement age, or 70 and the lifetime payout difference [VERIFY]
- Spousal and survivor benefit coordination for married couples
- How the Windfall Elimination Provision and Government Pension Offset may affect you [VERIFY]
- Tax planning around Social Security income
Why It Matters
Social Security is a lifetime, inflation-adjusted income source and often a survivor benefit. The timing decision compounds across decades. [VERIFY] current Social Security rules and any WEP/GPO applicability.
Your deliverable
A Social Security claiming strategy summary with lifetime payout comparisons.
How this service works
Every engagement follows the same simple four-step process — ending with a plan you can act on.
- 1
Book a free consultation
Schedule a 30–45 minute, no-cost conversation by phone, video, or in person.
- 2
Share your benefits information
Send your annuity estimate, TSP statement, and insurance details so we can review your full picture.
- 3
Receive your personalized analysis
We build your gap analysis report, identifying strengths and gaps in your current plan.
- 4
Review your retirement plan
We walk through your analysis together and outline clear, prioritized next steps.
Ready to see where your federal retirement stands?
Your free 30–45 minute consultation is a working session, not a sales pitch. Let's find the gaps before retirement finds them for you.
No cost · No obligation · Phone, video, or in person