Maximize your benefits
Make Great Social Security Decisions for Your Retirement
As a fee-only fiduciary advisory team, ProsperPlan Wealth integrates Social Security into your broader retirement and tax strategy so every decision works together.
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ProsperPlan Wealth is a fee-only fiduciary advisory firm.
Social Security is not just about income.
It’s a tax decision.
A longevity decision.
And a family protection decision.
Anyone can pull numbers from the Social Security Administration.
We help you turn those numbers into a coordinated retirement roadmap.
The goal isn’t simply a bigger check.
The goal is strong after-tax income over the next 20 to 30 years, confidence in your plan, and peace of mind for you and your family.
Recognized for leadership and client impact.
Most of our clients complete their Social Security and Medicare enrollment with their ProsperPlan advisor guiding them step by step. From timing to paperwork to tax strategy, our award-winning team is right beside you.
Comprehensive guidance, designed around your life.
How Our Social Security Services Help You
Social Security is not just a benefit. It’s part of your retirement foundation.
We coordinate your benefits with your investments, taxes, healthcare decisions, and long-term goals to create a clear, personalized strategy that supports the life you’re living now and the future you’re building.
This is real planning for real life.
maximize your social security
Making Social Security feel clear, personal, and supported.
What You Get With ProsperPlan Social Security Planning
Your Social Security decision shapes how you live in retirement. We help you choose the right claiming strategy by coordinating benefits for both spouses, planning for taxes, and aligning Social Security with your other income sources, so you feel confident stepping into your next chapter.
A strategy designed to maximize your lifetime income
You see multiple claiming scenarios so you understand how timing impacts your total benefits. Then you choose a strategy that balances income today with long-term financial security.
Coordinated benefits for you and your spouse
Your Social Security strategy protects both partners and builds in survivor planning, so your benefits work together as a household, not just individually.
Tax-aware claiming decisions
You understand how Social Security affects your tax brackets, Medicare premiums, and Roth opportunities. Your claiming strategy is coordinated with tax planning so your income feels intentional, not reactive.
Reliable income that works with your other assets
Your benefits are aligned with pensions, portfolio withdrawals, and required minimum distributions. This creates smoother cash flow and helps reduce unnecessary pressure on your investments.
A plan that holds up over time
Your strategy is stress-tested across different longevity and market scenarios. Whether you live to 80 or 100, your plan is built to adapt.
Guidance through filing and enrollment
You complete Social Security and Medicare enrollment with your ProsperPlan advisor by your side. From timing to paperwork, nothing is left to chance.
Ongoing support as life evolves
Your Social Security strategy isn’t set once and forgotten. As laws change or your life shifts, your plan evolves with you.
Our Social Security Planning Process
We begin by learning about your goals and financial picture. Then, we create and implement a personalized Social Security, investment, and retirement plan. Through ongoing reviews, we adjust your strategy as your life and finances evolve.
Step 1: Evaluate Your Benefit Options
We start with a discovery meeting to review your earnings history, marital status, retirement timeline, and goals. This ensures your Social Security strategy fits into your full financial plan.
Step 2: Create Your Claiming Strategy
Next, we model an integrated claiming strategy that coordinates Social Security with your investments, taxes, pensions, and other income sources. This is where clarity replaces guesswork.
Step 3: Optimize Timing for Life Changes
Your plan aligns Social Security timing with major milestones like retirement, healthcare decisions, Roth conversions, and legacy goals, helping you stay flexible and tax-aware as life evolves. When it’s time to file, most clients complete Social Security and Medicare enrollment with their ProsperPlan advisor by their side.
Social Security Tax Calculator
Key Social Security Analysis FAQs
Important questions about planning.
General FAQs
How to maximize Social Security?
Maximizing Social Security starts with understanding how claiming age impacts your lifetime benefits. Taking benefits earlier provides income sooner, while delaying can increase your monthly check, but the “right” choice depends on your full financial picture.
At ProsperPlan, we model multiple claiming scenarios and integrate Social Security with your investments, taxes, healthcare costs, and other income sources. This helps you see how each option affects cash flow today and financial security over time.
Rather than focusing on just the biggest monthly benefit from the Social Security Administration, we help you optimize after-tax income, protect your spouse, and design a strategy that fits your real life.
What is the maximum salary to maximize Social Security?
Social Security only counts earnings up to an annual wage cap when calculating benefits. Income above that limit is not included in your benefit formula, even though you may earn significantly more during your career.
Reaching that cap consistently over many years can help increase your future benefit, but salary alone does not determine your optimal claiming strategy. Timing, marital status, taxes, and retirement income planning all play a role.
That’s why ProsperPlan looks beyond earnings history. We help you understand how your past income fits into your broader retirement strategy so your Social Security decision supports your long-term goals.
Can you max out your Social Security benefits?
Yes, but “maxing out” Social Security means different things for different people. For some, it involves delaying benefits. For others, it means coordinating earlier benefits with Roth conversions, pensions, or portfolio withdrawals.
A technically higher benefit isn’t always the best outcome if it increases taxes, triggers Medicare surcharges, or forces larger investment withdrawals early in retirement.
ProsperPlan focuses on maximizing lifetime, after-tax income, not just your first check. We help you choose a strategy that balances flexibility, security, and peace of mind.
What is the best age to take Social Security benefits?
There is no universal best age. The right timing depends on your health, life expectancy, marital status, savings, taxes, and overall retirement income plan.
Some people benefit from claiming earlier to preserve investments or support lifestyle goals. Others benefit from delaying to increase guaranteed income later in life, especially when spousal protection is a priority.
We help you evaluate these tradeoffs inside your full retirement plan so your claiming decision feels confident, informed, and aligned with your future.
Pricing & Contracts
How much money should I have to work with a social security analysis manager?
This depends on your goals and overall financial situation. Some people become clients because they know that in the future their financial situation will become more complex via stock options or an inheritance, while others have saved well and are ready to have their money work harder for them right now. Generally, we prefer clients to have at least $1 million in investible assets, but there are numerous co-factors and considerations.
How does ProsperPlan get paid?
ProsperPlan Wealth is a fee-only fiduciary firm, which means you pay us directly for advice and ongoing guidance. We do not earn commissions or get paid to sell products.
Our fees are clear and transparent, and they cover financial planning and investment management. Because we don’t receive outside compensation, every recommendation is made with your best interest in mind.
Social Security planning is included as part of your overall retirement strategy. That way, your benefits, taxes, investments, and income plan all work together in one coordinated relationship.
Expertise & Credentials
What makes ProsperPlan different from other Social Security advisors?
Social Security is never treated as a standalone decision at ProsperPlan. Our advisors are credentialed financial planning professionals with deep experience in retirement income design, tax strategy, and life transition planning. We integrate Social Security with pensions, investments, healthcare decisions, and long-term goals to build coordinated retirement strategies, not one-off recommendations.
What truly sets ProsperPlan apart is how we work. You receive personalized guidance from a dedicated advisor who understands your entire financial life and stays with you over time. Most clients complete Social Security and Medicare enrollment with their ProsperPlan advisor by their side, ensuring every step is aligned with their broader plan.
We are fee-only fiduciaries, meaning our advice is never influenced by commissions or product sales. Every recommendation is made solely in your best interest, with clarity, transparency, and care.
Does ProsperPlan specialize in retirement income planning and major life transitions?
Yes. Retirement income planning is a core specialty of ProsperPlan Wealth. We help clients move from saving to spending by designing income strategies that coordinate Social Security, pensions, investment withdrawals, tax planning, and healthcare costs into one clear roadmap.
We also specialize in life transitions, including career changes, business exits, and stepping into retirement. These moments require more than financial math, they require thoughtful planning, emotional intelligence, and a steady partner who understands what’s at stake.
At ProsperPlan, you’re not handed a report and sent on your way. You gain a long-term financial partner who helps you navigate decisions, adapt to change, and build a retirement that feels intentional, supported, and aligned with the life you want.
Caring for Your Financial Health
Expert analysis and bold thinking for people who want to achieve the extraordinary.
What Clients Say About Us
Testimonials are based on unique experiences from current clients and are not representative of all client experiences. Testimonials are unsolicited, and no cash or non-cash compensation has been provided. As a result, clients do not receive any material incentives or benefits for providing testimonials. Investing involves risk, including the possible loss of principal and fluctuation of value. Past performance is no guarantee of future results. Additional information about NewEdge Advisors, LLC, is available in its current disclosure documents, Form ADV, Form ADV Part 2A Brochure, and Client Relationship Summary Report which can be found online at the SEC’s Investment Advisor Public Disclosure (IAPD) database at www.adviserinfo.sec.gov
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Stop By To See Us
Explore our locations to find the ProsperPlan team near you.
Gold River Office
HQ & Mailing Address
2377 Gold Meadow Way
Suite 100
Gold River, CA 95670
(916) 909-3993
Roseville Office
3017 Douglas Blvd
Suite 300
Roseville, CA 95661
(916) 909-3993
Maximize Social Security
With decades of experience helping clients make informed Social Security decisions, our advisors focus on building coordinated strategies that support long-term planning goals.