Retirement Income Planning

"The question isn't at what age I want to retire... it's at what income." 

- George Foreman

The decision when to start Social Security and pension benefits can mean over $100,000 of additional benefits and lower taxes if you have a retirement income plan. 


Strategies for couples. Should you start benefits at your full retirement age, or early? Should you make a claim on your own benefit, or on your spouses, and what strategies may be available to you on each? These are just a few of the considerations that couples face when deciding to start Social Security benefits.


Strategies for singles. Think there is nothing you can do if you are single? While the opportunities are less, there still may be opportunities to secure your retirement planning, including IRA withdrawal strategies.


Social Security also can provide benefits to widows, widowers, and divorcees.


Annuities and safe assets. While they are not our first option for most situation, as a licensed insurance counselor we can also provide institutional-level pricing on annuities and independent second opinion services for any current or proposed annuities. 

Let's discuss your personal needs...

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Clear Financial Advisors (CFA) is a Fee-Only Detroit and Ann Arbor fiduciary financial and investment advisor with meeting locations in Ann Arbor / Whitmore Lake, Livonia, Novi, Bloomfield Hills, Troy, Royal Oak, and Franklin / Southfield / Bingham Farms, and serving clients nationally online.


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Phone  248.677.1762


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