As a Registered Social Security Analyst®, Kate helps you choose the claiming age and strategy that can add tens of thousands to your lifetime benefit.
Why timing is worth real money
Every year you delay claiming past your full retirement age (up to 70) permanently increases your benefit by roughly 8%. For a married couple, coordinating two benefits and the survivor benefit multiplies the stakes. And once you file, you don't get a second chance — which is why a one-time analysis can pay for itself many times over.
How the analysis works
It's a structured, five-step process built around your numbers — not guesswork:
- A free 15-minute call to answer basic questions and see whether an analysis makes sense for you. No charge, no obligation.
- You engage the strategy service, and we begin the full optimization analysis.
- We gather your Social Security, income, and retirement details.
- We build your personalized claiming strategy with timing scenarios.
- We walk through it together on a Zoom review, with clear next steps.
What you get
Every analysis produces a concrete, written plan you can act on:
- A personalized claiming strategy with monthly, annual, and lifetime benefit amounts
- Early-vs-delayed timing scenarios
- Spousal and survivor benefit strategy
- Tax-impact awareness and coordinated claiming options
- A customized RSSA® presentation and clear next steps
What it costs
This is the one part of our work that isn't free. Health insurance help costs you nothing because the carriers pay us — but Social Security analysis isn't a carrier product, so it's a priced planning service.
The 15-minute call is free, with no obligation. We use it to understand your situation and tell you which analysis fits, or whether you need one at all. You only pay if you decide to go ahead.
| Analysis | Fee | Who it's for |
|---|---|---|
| Individual Analysis | $395 | A straightforward analysis for one person, including personalized claiming comparisons, a written RSSA® Roadmap and a review consultation |
| Couple / Household Analysis | $695 | Coordinated analysis involving two spouses or household benefits, including spousal, survivor and longevity scenarios |
| Complex Analysis | Starting at $895 | Cases involving prior claims, overpayments, multiple marriages, dependent benefits, pensions or other advanced circumstances |
| SETARA Business-Owner Analysis | Starting at $2,500 | Specialized Social Security, payroll-tax and retirement analysis for qualifying business owners and self-employed individuals |
It connects to your Medicare and taxes
When you claim affects your income, which affects your Medicare premiums through IRMAA and the taxation of your benefits. Because Kate advises on Medicare too, the Social Security plan and the health plan are designed to work together instead of surprising you later.
This page is educational and not medical, tax, or legal advice; figures change and should be confirmed for your situation.