Don't Leave Money on the Table!
Your Social Security Decision Could Be Worth Thousands. Get It Right.
When and how you claim can change how much you collect over your lifetime by thousands of dollars. Get a free, personalized claiming review before you file.
Get My Free Social Security ReviewHow it worksAre You Making One of These Costly Mistakes?
- Claiming at 62 without seeing the trade-off
- Ignoring spousal benefits (up to 50%)
- Not planning for survivor benefits
- Forgetting divorced-spouse benefits
- Working while collecting before full retirement age
- Getting surprised by taxes on benefits
Most decisions can't be undone once you file. Get a clear plan first.
Why Timing Matters
30%
Smaller checks
Claiming at 62 can cut your monthly benefit by up to 30%, for life.
8%
Bigger checks
Each year you wait past full retirement age, up to age 70, adds about 8% to your benefit.
100%
Survivor protection
A surviving spouse may receive up to 100% of the deceased spouse's benefit.
What You Get in Your Free Review
✔ Your estimated benefit at 62, full retirement age and 70
✔ The best claiming strategy for you and your spouse
✔ Survivor and spousal benefit check
✔ How working and taxes affect your checks
✔ A written plan you keep, with no obligation
Simple Next Step
One conversation. A clear plan. No cost and no obligation.
Book Your Free Review
Pick a time that works for you. Calls take about 30 minutes.
We Run Your Numbers
We compare claiming ages for you and your spouse, side by side.
Get Your Claiming Plan
You leave with a clear, written strategy and next steps.
Your Questions Answered Simply
When should I claim Social Security?
There's no single right age. Claiming early gives you smaller checks for longer; waiting gives you bigger checks for life. The best choice depends on your health, your spouse, your other income and your goals, which is exactly what we map out with you.
Can I collect on my spouse's record?
Often, yes. A spouse may receive up to 50% of the other spouse's full benefit, and a surviving spouse may receive up to 100%. If you were married at least 10 years, you may also qualify on an ex-spouse's record.
What if I keep working?
If you claim before full retirement age and keep working, part of your benefit may be withheld if your earnings go over the annual limit. It isn't lost forever, but it changes the math, so plan before you file.
Are Social Security benefits taxed?
Depending on your total income, up to 85% of your benefits can be taxable. Smart planning with your savings and withdrawals can help keep more in your pocket.
I'm already collecting. Is it too late?
Not always. Depending on your situation there may still be options for you or your spouse, and survivor planning matters at every age.
Is this really free? Do you work for Social Security?
Yes, the review is free with no obligation. Prospirion is an independent firm, not the Social Security Administration. Social Security determines your actual benefits.
Claim Smarter. Retire Stronger.
You only get one chance to make this decision. Make sure it's the right one.
Get My Free Social Security Review© Prospirion LLC, All Rights Reserved
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Prospirion is not affiliated with or endorsed by the Social Security Administration or any government agency. Benefit amounts and eligibility are determined by the Social Security Administration. Educational information only, not legal or tax advice.
Book Your Free Social Security Review
Pick a time that works for you. Married? Bring your spouse so we can plan for both of you.