The "SOCIAL SECURITY ELEPHANT" in the Room:
When, Why, and How Should You File?
This Complimentary Guide Will Show You Step-by-Step:
- How your claiming age affects your monthly benefit
- Key tax considerations to factor into your decision
- A simple framework for deciding when to file
"This guide breaks down complex considerations and more than 2,700 Social Security claiming rules into an easy-to-follow decision flowchart."¹,²
David Bayarena, CFP®, AIF®
Kaizen Wealth & Tax Planning
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Sources
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Social Security Administration, 2026 [URL: https://www.ssa.gov/OP_Home/handbook/handbook-toc.html]
-
AMAC Foundation, 2024 [URL: https://amacfoundation.org/social-security-myths-and-misunderstandings]
Risk Disclosure: Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance does not guarantee future results.
This material is for information purposes only and is not intended as an offer or solicitation with respect to the purchase or sale of any security. The content is developed from sources believed to be providing accurate information; no warranty, expressed or implied, is made regarding accuracy, adequacy, completeness, legality, reliability, or usefulness of any information. Consult your financial professional before making any investment decision. For illustrative use only.
This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific situation with a qualified tax professional.
This information is not affiliated with or endorsed by the Social Security Administration or any government agency.
Securities offered through Kestra Investment Services, LLC (Kestra IS), member FINRA/SIPC. Investment advisory services offered through Kestra Private Wealth Services, LLC. Kaizen Wealth Planning is a member firm of Kestra Private Wealth Services, LLC, an affiliate of Kestra IS. Kaizen Wealth Planning and Kestra IS are not affiliated. Investor Disclosures
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WAIT!
Many Americans could increase lifetime retirement spending by rethinking when they claim Social Security.
But there's no one-size-fits-all answer.
Before you decide, see how to evaluate your options in this complimentary guide.
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Did you know there are more than 2,700 rules governing Social Security benefits?
This complimentary guide gives you simple answers to when, why, and how to file for Social Security.
We never spam. By clicking this button, you consent to be contacted by David Bayarena, CFP®, AIF® by phone, email, and/or automated SMS. You may unsubscribe at any time. Consent is not a condition of receiving services.