Social Security Planning Services

Are you looking for Social Security Planning in Grand Rapids, MI? If so, you’ve come to the right place. There are many questions: How are your benefits determined? When should you file? Should you file at age 62, or should you wait until your full retirement age (age 66-67)? Does it make sense to delay filing until age 70 and have your benefit increase by 8% per year? If you’re still working, should you still file for Social Security benefits or wait until you retire? What are the rules? As Wealth Management Advisors in Grand Rapids at Integrated Financial Services, Inc., we have decades of experience in developing Social Security Strategies to help meet the needs of our clients.

Why is Social Security Planning Services Important?

Social Security Planning services have become more important as most people don’t have pensions. In the 1960s, 60% of employers offered pensions. This led to the retirement planning illustration of the “three-legged stool.” The first leg was a person’s pension, the second leg was Social Security Benefits, and the last leg was an individual’s savings or investments. Today most retirees only have two of those legs remaining as only 17% of individuals still have traditional pensions! In addition, most of those remaining pensions are clustered in Federal, State, and Municipal Government jobs such as teachers and police officers, which have strong union representation. Source: Bureau of Labor Statistics. You can maximize your benefits with Social Security Planning Services. We can help, call us today.
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Social Security Strategies Are Even More Important With Interest Rates So Low

The relative value of Social Security has increased dramatically due to today’s meager interest rates.
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In 1995, a one-year Bank Certificate of the deposit paid 6.5% interest. Someone with $100,000 would earn $6,500 per year. At today’s low-interest rates (0.05%), $100,000 would only earn only $50 per year! How much money would you need to have in the bank to earn the average Social Security benefit of $1,543? You would need $37,032,000! Therefore, social Security Benefits should be considered to be one of your most valuable assets. That is why Social Security Planning Services are so critical!
While Congress has recently eliminated some of the popular methods of maximizing benefits, many other claiming strategies remain intact. The Social Security regulations are complex, with thousands of pages of rules. There are currently over 500 Social Security calculations possible in determining the best-claiming strategy. For married couples, there are 81 combinations to consider determining the optimum method. While many of the employees at the Social Security Office are well-trained and helpful, many others are not. Do you really want to “roll the dice” and risk making the wrong decision because you weren’t assigned a competent Social Security Administration worker? At Integrated Financial Services, Inc., our social security planning services have helped thousands of people determine the best course of action in choosing from available Social Security Strategies.

The average Social Security retirement benefit is currently $1,543. However, it can be as high as $3,895. How can you get the highest benefit possible? How to choose among Social Security Strategies? Should you use a “split strategy” where a couple of files are at different ages and allow the higher earner to wait longer to file on their benefits? How can you coordinate your benefits with your spouse so you can both get the highest Social Security benefits? Sometimes, it makes sense for both spouses to file a claim on the same spouse’s earnings record.


A husband files for spousal benefits on his wife’s earning history and allows his own benefits to increase by 8% per year until age 70. He then switches to his own benefits, which have increased by 32%! If he dies before his wife, she will receive that higher benefit for the rest of her life. As you can see, utilizing the best Social Security Strategies and wealth management advisors can make a massive difference in the benefits you receive over your retirement. Find out among all the Social Security Strategies which is best for you. We are the best wealth management advisors in Grand Rapids and offer Social Security Planning in Grand Rapids, MI, and West Michigan. Call us today to help plan your financial future.
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