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Social Security Advisement in Houston, TX

Social Security benefits are a form of financial assistance the U.S. government provides to eligible individuals, primarily retirees, disabled individuals, and survivors of deceased workers. At Trajan Wealth, we aim to demystify the complexities surrounding Social Security. Whether you’re approaching retirement or can see it on the horizon, understanding how to optimize these benefits becomes increasingly crucial for securing your financial stability.

We’ll talk you through key strategies and considerations, with expert advice tailored specifically to Houston residents. Helping you to make informed decisions to pave the way for a financially secure future.

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Why Trust Houston Fiduciary Advisors With Your Social Security?

First, we offer the expertise and extensive knowledge to help you navigate the system’s complexities. Second, as fiduciaries, we must act in our client’s best interests, meaning you benefit from our unbiased recommendations and guidance. This also plays a major role in our financial planning services by giving you a complete picture. From maximizing benefits to minimizing taxes, we’re here to make this system work for you!

Why Choose Trajan Wealth: Houston, TX?

Here are a few reasons to trust our dedicated and passionate Houston fiduciary advisors for Social Security advice:

Maximizing
Benefits

Houston fiduciary advisors can help you maximize your Social Security benefits by strategically timing when to start claiming them, considering your age, health, and financial goals.

Rule
Modifications

Social Security regulations frequently undergo nuanced updates. We stay informed of any changes and amendments, so that your strategy aligns with the most recent guidelines.

Ethical
Standards

We adhere to high ethical standards and prioritize transparency and integrity in our client relationships. Giving you peace of mind that your financial interests are always prioritized.

Comprehensive
Planning

We take a holistic approach to financial planning by considering how Social Security fits into your overall retirement. We’ll integrate benefits with other sources of income, such as pensions and 401(k)s, to ensure a secure financial future.

Tax
Implications

Your Social Security benefits will likely be subject to federal taxes. Luckily, we can use tactics to minimize the tax implications of your retirement income so you can keep more of your hard-earned money!

Adjusting
for Inflation

As we know, the economy is constantly changing. We’ll account for inflation to keep your financial planning on track for the present and future, no matter what it brings.

Our comprehensive wealth-building strategies prioritize your needs, timeline, and risk tolerance levels. Whether you’re looking for help with portfolio design, investing, or even life insurance, we can help.

More Financial Services in Houston

Long-Term Wealth Management

Our comprehensive wealth strategies prioritize your needs, timeline, and risk tolerance levels. Whether you’re looking for help with portfolio design, investing, or even life insurance, we can help.
Houston Wealth Management

Retirement Income Planning

With our expertise, you’ll enjoy a holistic plan that strategically combines pensions, annuities, investments, savings, and Social Security for a solid financial future.
Houston Retirement Planning

How Do Social Security Benefits Work?

Here’s a general overview of what you need to know:
  • Earning Credits. To qualify for Social Security benefits, you must accumulate sufficient credits by working and paying Social Security taxes. Credits are earned based on annual income, and individuals can earn up to four credits per year.
  • Calculating Benefits. The amount a person receives is based on their lifetime earnings and the age at which they begin receiving benefits. The Social Security Administration (SSA) calculates benefits using a formula that considers the 35 highest-earning years of an individual’s career.
  • Full Retirement Age (FRA). Full Retirement Age is when individuals can receive full Social Security retirement benefits. It varies depending on the birth year but is typically between 66 and 67. Individuals can start receiving reduced benefits as early as 62, or delay benefits until age 70 for increased payments.
  • Types of Benefits. These categories include retirement, disability, and spousal benefits for eligible workers’ spouses, and survivor benefits for the surviving spouses and children of deceased workers.
  • Applying for Benefits. You can apply for Social Security benefits online, by phone, or in person at your local Social Security office. You may need to provide documentation such as birth certificates, tax records, and proof of employment.
  • Adjustments for Inflation. Benefits are adjusted annually for inflation to help protect recipients’ purchasing power over time. The cost-of-living adjustment (COLA) is based on changes in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W).

Putting Our Clients Needs First

Leading with the hearts of educators is another way we stand out from other competitors in Houston. We want you to understand our financial recommendations and the methods behind them. We’ll walk you through all your options – ensuring you feel informed, comfortable, and confident at every step of your financial planning process.

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Maximize Your Social Security Benefits in Houston

Don’t trust just anyone in Space City for Social Security advice! Between our team’s expertise and compassion, working with us offers you peace of mind. Let’s connect and get your plans for retiring in Houston ready to go!

Visit us at our office in Sugar Land or The Woodlands. Not able to meet in person? We offer virtual meetings as well.

 

Sugar Land

The Woodlands

Schedule a FREE initial consultation.

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