Social Security Optimization Case Study

Meet the Neilsons

(fictitious name to keep client information private)

Mike and Amanda — married

Current Ages — 56/54

Life Expectancy — 90/90

Salary — $200K/$100K

Social Security — ??

Monthly Expenses in Retirement — $10K

Invested Assets —  $1.5MM qualified
$100K non-qualified


3 Questions Facing the Neilsons On When To Begin Social Security


How much income do you need in retirement?



How long will you live?



Because you can’t be sure how long you’ll live, what makes you feel more secure; a smaller benefit sooner or a bigger benefit later?



source: Right Capital

What Are Their Options?


How Big Is The Difference?

“Wait to 70” vs “Start Early”


What to do Next

If you would like to get a better understanding of your retirement saving and planning options, feel free to reach out to me. You can schedule a complimentary strategy call with me here:

We can review your current retirement plan to see if an optimization strategy would be beneficial to you.

John Rothe

Founder, Chief Investment Officer

Riverbend Investment Management