Maximize My Social Security Benefits

Maximize My Social Security is a comprehensive tool designed by Laurence Kotlikoff, Professor of Economics, Boston University to help you (whether you are married, divorced, widowed, or single) get the highest Social Security benefit. All questions in personal finance boil down to your living standard. Your decision about when and how to take Social Security can affect your living standard throughout your retirement. Here is a quick video on how Maximize My Social Security can help.

Social Security offers retirement, spousal, widow, widower, child, mother/father, and divorcee benefits. It has highly complex benefit formulas, which include wage indexation of past covered earnings, benefit-specific reduction formulas for collecting benefits early, an earnings test, deeming provisions that limit when married and divorced people can take particular benefits, delayed retirement credits, credits for getting hit by the earnings test, indexation of benefits to inflation, a family benefit maximum, Windfall Elimination and Government Pension Offset provisions that limit retirement and spousal benefits available to workers with non-covered employment histories, and so on.

Deciding, on your own, which Social Security benefits to take and the order in which to take them is incredibly difficult. Most households face millions of options and can easily lose tens of thousands of dollars making the wrong choices. 

Maximize My Social Security and Economic Security Planning, Inc. are not affiliated with LPL Financial, Flagship Harbor Advisors, or Andreasen Financial, LLC.