Social Security and Retirement Planning

Warning! Don’t Retire Before Talking to Us If you’re in your 50s or 60s and looking at retirement—sooner than later—now is your best (and final) chance at creating a true retirement plan.You may have many questions: How can I play catch-up? Can I afford to retire early? When should I claim benefits? Will I be […]

Warning! Don’t Retire Before Talking to Us

If you’re in your 50s or 60s and looking at retirement—sooner than later—now is your best (and final) chance at creating a true retirement plan.You may have many questions:

  • How can I play catch-up?
  • Can I afford to retire early?
  • When should I claim benefits?
  • Will I be able to maintain my current lifestyle?
  • How can I claim maximum Social Security benefits?

You’re not alone with questions and uncertainty about retirement planning. In the “Report on the Economic Well-Being of U.S. Households in 2014,” just published by the Board of Governors of the Federal Reserve System, optimism is improving. But the same isn’t necessarily true of their financial situations. Studyrespondents noted“only mild improvements” to theiroverall well-being. But the same can’t be said for the state of their retirement preparation.

In fact, the study found 39%of non-retirees “have given little or no thought to financial planning for retirement.” And 31 percent have no retirement savings or pension, at all. None!But remember, it’s never too late to begin planning for retirement.

National Social Security Advisors: Outside the Box Thinking

Did you know 10,000 baby boomers are turning 65 years old every day? Do-it-yourself planning and online calculators won’t help you maximize your benefits. That’s thinking inside the box. A certified professional planner understands all the ins and outs for a retiree or retiring couple.
Now more than ever, advisors require advanced knowledge and expertise. Orcutt & Company is already at the forefront of Social Security knowledge and planning.

Orcutt & Company Experts Answer ALL Your Retirement Questions

“People are missing out on getting their full Social Security benefits,” says owner Greg Orcutt,
“by not understanding all their options.” Before you turn 62 years old, it’s critical to consult with a Social Security expert. In fact the earlier you have that conversation, the better. “And age 30 is not too soon to start talking about retirement,” continues Greg. “Remember, it’s never too early or too late to begin forming your retirement goals and the strategy to achieve them.”

Based on many factors, we can answer your questions and offer several options. Retirement planning is complex, and requires a straightforward process. First, we’ll gather your data and information. We’ll listen to you, and understand your goals. An analysis will be performed; we’ll then define and talk over your choices.

For example, if both spouses have worked and earned social security benefits, we’ll examine all the possibilities and determine your best cash flow option. Several scenarios can affect your total benefits. Orcutt & Companyadvisors can provide proven strategies, creating greater planning opportunities.

Heed the warning and don’t take Social Security before talking to us! Call Greg for retirement and financial planning at 513-576-1989, or email him directly at Greg@Orcuttfinancial.com.