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Welcome to my website. If you are retired, retiring or considering retirement decisions, I’d like to help you evaluate your tax and financial options and make wise moves with your money.

I provide personalized financial & retirement planning for Denver area residents. My clients like the fact that I go the extra mile to have a real relationship with them – they feel like they have a partner, a guide, to help them plan to realize their unique dreams for the future.

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Social Security: What's at Stake for Married Couples?

Social Security is the largest single asset many couples have in retirement. Unfortunately, most people don't take the necessary steps to maximize this all-important income stream. If you don't make the right decision about when to elect Social Security, you could be leaving a big pile of money on the tablemoney you've worked hard for over the years. In fact, the difference between a good Social Security election decision and a poor one is often well over $100,000! 

Example: 
A 62-year-old couple with one above average earner (PIA $1,800) and a lesser earning spouse (PIA $1,000), who both live to average life expectancy could lose over $60,000 in family benefits by making the worst possible decision for when to take Social Security.

* If they both elect at age 62, they could be losing over $50,000 
* If they both elect at age 66, this couple could still be leaving $30,000 on the table 
* Simply delaying benefits isn't the answer either. If they both delay to 70, they could be losing over $40,000Click

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