I am 2.5 years younger than my wife. She is a retired (3 years) Texas teacher receiving a Teacher's pension. Her social security benefits were reduced because she has a teacher's pension from the Texas Retirement System. I turn 65 in Feb 2018 and have filed for SSN benefits starting in March 2018. I will earn $22,000 in Jan-Feb-March. Does your calculator handle this type of scenario? I need help maximizing our retirement income.

Hi,

I turned 66 in January and had been on disability towards the end of 2016 because of a surgery - I was going to extend the disability but was told that when I turned 66 my disability would trigger my receiving social security instead. Even though my long term plan had been to wait until I was 70 to draw (continuing to work-I am self employed- until then once healed from surgery) . Thus my question is since I am already drawing would the Maximize My Social Security be of any benefit to me. I get conflicting information from the SS Office regularly.

Hi,

Is the social security calculator in the maxifi program or do I need to prchase two separate programs?

Hi,

The Maxifi program contains the same Social Security calculator as the regular Maximize My Social Security program, plus many additional features. Please click on this link for more information: https://maxifiplanner.com/retirement-planning-maxifi.

Best, Jerry

Hi Larry, i was given your website by a dear friend and was thinking
I would perhaps like to buy one of the 2 financial planners you have;
Maximize my SS or Maxfit
I am a 63 year's old single, never married woman with low income (salesperson) from Brooklyn. I have
NO pension, no assets and little savings...Maxfit looks like it's for people with more financial heft?
Thank you,

Kay

Hi Kay,

I am a 61 yr. old on permanent disability. Would it be possible to speak with someone on how to move forward?

Hi,

Yes, we offer a phone consultation as part of the expert review option available on our purchase page.

Best, Jerry

Does your software provide for a Start, Stop, Start analysis?

Hi,

Yes, the software can analyze all of your options and determine the best filing strategy based on your individual set of circumstances. By the way, for other readers start, stop, start refers to filing for benefits and then suspending them at full retirement age or later, then resuming them at age 70.

Best, Jerry

Does your software analyse weather I would be better off converting a IRA to ROTH before taking our SS? I Know I would subject to the 85% tax torpedo.

Hi,

No, the basic maximization software is limited to Social Security issues. However, you may want to consider using ESPlannerPLUS: https://www.esplanner.com/purchase.

Best, Jerry

Will your software take into account my 29 years of active duty military service? I have heard that there is some extra compensation in Social Security for veterans.

Hi,

Larry, we just purchased your software license for households. My wife and I would like to know about different scenarios--such as I take SSA at 62, or FRA, even age 70--and my wife take it at different times at FRA,while I take it as above, or she waits till age 70,etc....is that possible with the software. We were overwhelmed with all the numbers....

Thanks

Ron and Bets

Hi Ron & Bets,

I am 65 , DOB 2/9/1952, My wife is 66, DOB 2/9/1951. She did not work she was a homemaker with our 5 children. Does she need to wait one year until I reach 66, my FRA, to apply for her spousal benefits. I purchased your software. On the What If annual benefits it shows a full earnings deduction of all of our Social security benefits this year. It appears she should wait one year. I am thinking of applying for both our benefits next year and putting the money in my 401k.

Hi,