Know These Social Security Strategies If You're About To Retire

Ready to squeeze every dollar from Social Security? This episode of The Perfect Retirement Plan? is a must-listen for career professionals getting close to retirement. Want bigger lifetime benefits and lower taxes? Phillip Smith, financial planner and Marine veteran, shows how the right filing sequence can add six figures to lifetime household income and help bolster the surviving spouse’s check.Chapters Roadmap: • Why Social Security timing matters for dual-income couples • Strategy 1: Delaying benefits for a 26% boost and stronger survivor income • Strategy 2: Coordinating spousal benefits for an instant household “pay raise” • Strategy 3: Filling the “Tax & IRMAA Gap” with Roth conversions and 0%-rate capital gains • Strategy 4: Smart moves for widows and widowers to lock in the larger check • Case study of a Pacific Northwest couple who gained $200k by delaying and converting • Action steps to claim your SSA.gov account, mark key ages, and run a claiming calculatorIf you’re 55-65 and searching “when should I take Social Security,” “maximize spousal benefits,” or “IRMAA avoidance strategy,” hit play now. Then subscribe and ring the bell so you never miss fresh insights on retirement income, tax efficiency, investment strategy, and legacy planning. Thanks for tuning in to this episode of The Perfect Retirement Plan, and remember: it's not about having the smartest financial advisor, the most money saved, or the highest probability of retirement success. The perfect retirement plan, for you – is the one you act on.Phillip Smith, CRPC AIF |  Financial PlannerTidepool Wealth Strategies450 Country Club Road, Suite 350 | Eugene, OR | 97401____________________________________________________________________________________________Additional Disclosures: The opinions contained in this material are those of the author, and not a recommendation or solicitation to buy or sell investment products. This information is from sources believed to be reliable, but Cetera Wealth Services, LLC cannot guarantee or represent that it is accurate or complete.All investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful.