Get the most out of your Hard-Earned Benefits
At 3 Rivers Financial Group, we take a strategic approach to Social Security planning. We analyze your work history, income, and retirement goals to help you make the smartest decision on when and how to claim your benefits.
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Determine the Best Age to Claim Benefits
Should you file at 62, 67, or 70? We analyze your financial picture to find the optimal timing.
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Minimize Taxes on Your Benefits
We structure withdrawals and income sources to help reduce your Social Security tax burden.
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Optimize Spousal & Survivor Benefits
If you’re married, divorced, or widowed, we help you receive your eligible benefits.
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Integrate Social Security with Your Retirement Plan
We coordinate your 401(k), IRA, and pension withdrawals to create a tax-efficient income stream.
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Account for Longevity & Inflation
Your benefits increase annually with cost-of-living adjustments (COLA)—we help you plan for long-term stability.
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Consider Work & Earnings
If you plan to work in retirement, we calculate how continued earnings impact your benefits.
Why work with our team of Social Security Experts
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Personalized Social Security Strategies
No generic advice. We create a custom plan based on your financial situation.
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Tax-Efficient Planning
We help minimize taxes on Social Security benefits and coordinate withdrawals from other accounts.
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Expert Guidance on Filing Decisions
Claiming at the wrong time could cost you. We help you to determine how to maximize every dollar.
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Retirement-Focused Financial Planning
Social Security is just one piece of the puzzle. We look at your entire retirement income plan to see how it fits in the big picture.
Questions about Social Security maximization? Read our FAQs
What’s the best age to start taking Social Security?
It depends on your financial situation. Filing early at 62 means smaller monthly checks, while delaying until 70 can increase benefits by up to 32%.
How much will my Social Security increase if I wait?
For every year you delay past full retirement age (67 for most people), your benefit grows by about 8% per year until age 70.
What if I’m married? Should my spouse claim benefits differently?
Spouses may be eligible for spousal, survivor, or divorced spouse benefits. We help optimize your household strategy to get the most out of both benefits.
How do I avoid paying too much tax on my Social Security benefits?
By strategically withdrawing from 401(k)s, IRAs, and other accounts, we help you reduce taxable income and minimize Social Security taxes.
Can I work while collecting Social Security?
Yes, but if you claim benefits before full retirement age (FRA) and earn over a certain limit, some benefits may be temporarily reduced.
Retirement planning Resources
