SOCIAL SECURITY ANALYSIS
Social Security-when to file
I use top-rated Social Security software to compare filing dates for maximum benefits. I explain choices so you can make an informed decision. Recommended for couples, divorceds and widows as spousal and survivor benefits can be complicated. Usually not necessary for never-marrieds as those are much simpler.
HYBRID LTC INSURANCE
Hybrid LTC analysis
Explain and analyze the potential benefits from a hybrid LTC policy that has fixed premiums and lifetime benefits. The policies can be complicated and expensive but can cover a potentially expensive risk. No cost to analyze but there is an unavoidable insurance commission if purchased.