Social Security Planning · New Smyrna Beach, FL

The filing decision you only get to make once

File at 62, 67, or 70? Take it before your spouse? File and switch? The choice you make in your early 60s can be worth tens of thousands over your life — and the wrong move is hard to reverse. We run the numbers before you file.

Steven L. Rich, NSSA®, RICP®, CLTC®, CF2® Teaches Social Security Maximization monthly
Why this decision is bigger than people think

The SSA can read your record. They can’t tell you when to file.

77%+

The difference in your monthly benefit between the earliest and latest filing age — permanently. Multiply that across 20 to 30 years, layer in spousal, survivor, and taxes, and it gets complicated fast.

The wrong filing age can:

  • Lock you into a permanently smaller check
  • Cost your surviving spouse income for the rest of their life
  • Trigger Social Security taxation you could have avoided
  • Push more of your benefit into the 85% taxable zone
  • Cost you years of delayed retirement credits you could have earned
The filing-age decision

62, full retirement age, or 70?

There’s no rule of thumb. The right number depends on your birth year, health, marital status, and income plan — which is exactly what the analysis is for.

62
Earliest

Benefits start right away, at a permanently reduced amount. Right for some households, costly for others.

FRA
Full retirement age

Your full, unreduced benefit — the baseline every scenario is measured against.

70
Maximum

Each year of delay past FRA adds delayed-retirement credits, up to the largest possible check at 70.

What a claiming analysis covers

The questions that actually move the dollars

Filing age, year by year

A side-by-side of claiming at 62, FRA, and 70, with a break-even view based on your projected longevity.

Spousal strategy

Coordinating two filings so the household captures the most lifetime income — not just the biggest first check.

Survivor income

What happens to household benefits when one spouse passes. The most overlooked piece of the decision.

Divorced-spouse benefits

Married 10+ years and currently unmarried? You may have claiming options most people miss.

Working in early retirement

How earnings affect your benefit before FRA — and what comes back to you later.

Tax coordination

Where Social Security falls in your income plan, and how to avoid stacking it with IRA withdrawals in a costly way.

Medicare timing

Social Security and Medicare enrollment are linked — filing one can trigger the other, sometimes by surprise.

What you get

A written strategy you can actually follow

  • A written claiming analysis with multiple filing scenarios
  • Side-by-side breakdowns for you and, if married, your spouse
  • A recommendation tied to your overall income plan
  • Tax considerations for each filing path
  • Implementation help when it’s time to file

Not a printout from ssa.gov — a claiming strategy built for your household.

Who this is for

This delivers the most value if you

  • Are 55 to 67 and trying to decide when to file
  • Are a married couple coordinating two benefits
  • Are a widow or widower reviewing survivor options
  • Are divorced and checking eligibility on a former spouse’s record
  • Are already collecting and have never had a household-level review

If that sounds like you, the next step is a 45-minute conversation. No charge, no pressure.

How to get started

Three simple steps

Call or book

Call (386) 402-4626 or schedule online.

Discovery meeting

Free, about 45 minutes. We review your accounts, existing policies, and your Social Security situation.

Claiming analysis

If we’re a fit, you receive a written claiming strategy as part of your engagement. No pressure on day one.

Free monthly workshop

Social Security Maximization

Taught monthly at the Brannon Center (NSB) and Lakeside Community Center (Port Orange). Coffee, no sales pitch, real claiming math.

Reserve your seat
Frequently asked

Social Security questions

Should I always wait until 70 to file?

No. The right answer depends on your health, marital status, other income, taxes, and whether you actually need the income. The analysis finds your right answer — not a rule of thumb.

Can I change my filing decision after I make it?

You can withdraw your application within 12 months and pay back what you received, or voluntarily suspend at full retirement age. Outside those narrow windows, the decision is essentially permanent.

Will I really lose money if I file at 62?

Not necessarily. Filing early makes sense for some households; for others it permanently lowers what they and their surviving spouse receive. The analysis is how you tell which one you are.

Do you charge for the initial review?

The initial review is complimentary. Ongoing advisory fees are disclosed in writing before you sign anything and are based on assets under management.

Are you a fiduciary?

Investment advisory services are offered by Signal Advisors Wealth, LLC (“Signal Wealth”), a Registered Investment Adviser with the SEC; in that capacity we have a fiduciary duty to act in your best interest. Registration does not imply a certain level of skill or training.

Are you affiliated with the Social Security Administration?

No. NSB Retirement Solutions is not affiliated with or endorsed by the SSA or any government agency. We help you make a smart decision about when and how to file.

What if I’m already collecting?

We can still review whether you have spousal, survivor, or coordination options worth exploring. Some opportunities exist even after you’ve filed.

Do you work with people outside New Smyrna Beach?

Yes — Edgewater, Port Orange, Daytona Beach, Ormond Beach, DeLand, Deltona, Palm Coast, Sanford, and the rest of Volusia County.

Free Social Security review

Run the numbers before you file.
Once you choose, it’s hard to take back.

Schedule a free 45-minute review, or call our New Smyrna Beach office.

Office: 112 N. Orange Street, New Smyrna Beach, FL 32168 · Mon–Fri, 9:00–5:00

Social Security guidance is educational and analytical in nature. NSB Retirement Solutions and its agents are not employees of the Social Security Administration, are not affiliated with or endorsed by the SSA or any government agency, and cannot make official benefit determinations. Confirm filing decisions with the SSA at ssa.gov or your local office. Any figures referenced (including the difference between filing ages) are general illustrations; individual results vary by birth year, earnings record, and circumstances.

Investment advisory services are offered by Signal Advisors Wealth, LLC (“Signal Wealth”), a Registered Investment Adviser with the U.S. Securities and Exchange Commission. Registration does not imply a certain level of skill or training. Steven L. Rich is an Investment Adviser Representative of Signal Wealth. Insurance products are offered through New Smyrna Beach Retirement Solutions (“NSBRS”), which is not affiliated with Signal Wealth. Investing involves risk, including the potential loss of principal. This is for informational purposes only and is not investment, tax, or legal advice.