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Understanding Your Social Security

For many Americans today, Social Security is an essential part of their retirement. Traditionally, Americans have relied on the “three-legged stool for income during retirement.” That is, Social Security, personal savings and employer pensions. However, savings rates and housing values have dropped. The availability and value of employer pension plans have rapidly declined. For many, Social Security is the only stable leg of the “three-legged stool.”

Many Americans will approach their Social Security with insufficient knowledge, or even worse, misinformation. Much of this mistaken knowledge around optimal claiming strategies comes from friends, family, and other non-experts. Making an appropriate claiming decision requires a complex evaluation of the Social Security program rules, as well as an assessment of your retirement timing preferences, personal savings adequacy, retirement income needs and personal health status. 

Regulatory changes, market downturns, fiscal standoffs, and other hindrances happen. As Financial professionals we are committed to understanding how your Social Security will affect your overall financial picture.

Social Security can provide benefits for you, your spouse, and other eligible members of your family.

Disability Benefits

Disability Benefits

Retiree Benefits

Retiree Benefits

Spousal Benefits

Spousal Benefits

Survivor Benefits

Survivor Benefits

How We Can Help You

One of our strengths at Mosaic Wealth Strategies Group is our expert ability to help you prepare for Social Security, which, with the array of options available, can be confusing and challenging to navigate.  In fact, we feel so strongly about the impact of Social Security on your life and financial well-being that we have made it an important component of our “Complete Lifestyle Planning” philosophy!

When you come in for your consultation, we will review your specific retirement needs, weigh your options and outline your plan of action. By doing some careful planning and making smarter choices, you can maximize your Social Security benefits throughout your retirement years! If you’re worried about your own retirement preparations or want to discuss how these changes to Social Security may affect your financial picture, please give us a call to discuss your personal situation.

Social Security Testimonials

  • Knowledgeable, passionate and friendly. They know what they are doing.
    — Steven & Kathy M.
  • With all the recent changes to Social Security we didn't know what to do. Mosaic helped guide us through the entire process. Thank You!
    — Mark & Janet S.
  • They are extremely knowledgable about Social Security. Highly Recommended
    — Jason & Mary D.
  • Words can't express how much you have done for us. Thank you for taking the worry out of our retirement.
    — David & Rose A.