Why Social Security Planning Matters
At Paladin Retirement Advisors, we help retirees understand their Social Security options, help optimize their benefits, and integrate them into a broader financial strategy. With thoughtful planning, Social Security can provide a reliable income stream that complements your other retirement savings.
Start Your Financial Journey!
We believe choosing when and how to claim Social Security can be one of the more confusing parts of retirement planning.
While there are many factors to consider, we’re here to help you make sense of the basics and talk through the options that may be appropriate with your overall retirement goals.
We don’t provide legal or tax advice, but we do act as a sounding board, helping you understand key issues so you can make confident, informed decisions.
What We Talk About
Understanding the Basics
We’ll walk through how Social Security works, what your estimated benefits might look like, and how the timing of your claim (whether early, at full retirement age, or later) can affect your monthly income.
Reviewing Your Options
Together, we review the choices available to you, such as whether delaying benefits could be worthwhile based on your personal situation, or how Social Security fits in with other sources of income you may have.
Spousal and Survivor Considerations
For couples, we talk through how spousal benefits work, what happens in the event of a spouse’s passing, and how those pieces may affect when each person decides to file.
A Few Things to Consider
Timing Matters
Claiming earlier means lower monthly payments, while waiting can increase your benefit.
Your Earnings Record Counts
According to SSA.GOV, Social Security is based on your highest-earning 35 years, so accuracy and continued work may influence benefits.
Taxes May Apply
Social Security benefits can be taxable depending on your other income sources.
Survivor and Spousal Benefits
These can offer additional support and are worth understanding, especially for married couples and widowed individuals.
Social Security rules can be more complex than they seem, and sometimes just having someone to bounce questions off of can help clarify the path forward. The Paladin Retirement Advisors team is here to support your decisions and help you understand your choices with clarity and confidence.
The Paladin Difference
Personalized Strategies
Every client receives recommendations tailored to their unique financial situation and goals.
Holistic Approach
We customize investment portfolios to reflect your individual needs and goals, which are integrated into your overall unique plan.
Fiduciary Duty
As fiduciaries, we are dedicated to acting in your best interest—always.
Ready to Make the Leap?
Take Control of Your Financial Future
Consider working toward preserving your legacy by creating a legacy plan that helps shield your family and honors your wishes.
Disclosure
All content is for information purposes only. It is not intended to provide any tax or legal advice or provide the basis for any financial decisions. Nor is it intended to be a projection of current or future performance or indication or future results. Opinions expressed herein are solely those of JSBJ Enterprises, Inc. dba Paladin Retirement Advisors and our editorial staff.
The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation. Advisory services are offered by JSBJ Enterprises, Inc. dba Paladin Retirement Advisors an Investment Advisor in the State of Pennsylvania. Being registered as an investment adviser does not imply a certain level of skill or training. Insurance products and services are offered through Jeffrey Beyer, Sole Proprietor. The information contained herein should in no way be construed or interpreted as a solicitation to sell or offer to sell advisory services to any residents of any State other than the State of Pennsylvania or where otherwise legally permitted.
The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation. Advisory services are offered by JSBJ Enterprises, Inc. dba Paladin Retirement Advisors an Investment Advisor in the State of Pennsylvania. Being registered as an investment adviser does not imply a certain level of skill or training. Insurance products and services are offered through Jeffrey Beyer, Sole Proprietor. The information contained herein should in no way be construed or interpreted as a solicitation to sell or offer to sell advisory services to any residents of any State other than the State of Pennsylvania or where otherwise legally permitted.