Social Security Planning

Maximize Your Benefits, Minimize Mistakes

Social Security isn’t just a government benefit—it’s a foundational part of your retirement income strategy. But with over 2,700 rules in the system, getting it right is more complicated than it seems. At Legacy Wealth Management Group, we help you understand when to file, how to maximize your benefits, and how your Social Security strategy fits into your overall financial plan.

The Big Question – When Should You Take It?

Timing Isn’t Just Personal—It’s Financial

While many Americans claim benefits early, doing so without a strategy can leave thousands on the table. We’ll help you answer the questions that matter:

  • Should I claim at 62, full retirement age, or delay until 70?
  • How does my spouse’s benefit impact mine?
  • What if I’m divorced—can I claim from my ex?
  • How will working during retirement affect my payments?
  • Will my Social Security be taxed?

These aren’t just details—they’re decision points that can dramatically affect your lifetime income.

Planning for Longevity

Americans Are Living Longer—And Retirement Is Lasting Decades

With life expectancy climbing into the 80s and 90s, your Social Security needs to last—and work with the rest of your retirement plan. We align your filing strategy with other key factors, including:

  • IRA/401(k) withdrawals
  • Pension decisions
  • Health care and long-term care costs
  • Survivor and spousal planning
  • Medicare and Medicaid coordination

Benefits of Working With Legacy

  • Personalized Financial Planning: Customized investment strategies that reflect your goals, timeline, and risk tolerance.
  • Tax-Efficient Portfolio Design: Minimize tax drag and maximize after-tax returns across your entire portfolio.
  • Low-Fee, High-Quality Investment Options: We prioritize transparent pricing, cost-effective funds, and global diversification.
  • Holistic Wealth Planning: Covering retirement, insurance, estate, education, and healthcare—under one plan.
  • Fiduciary Commitment: As fee-based advisors, we act in your best interest—always.