【實用財經app】When To File - Home Edition|最夯免費app-綠色工廠好玩App

When To File™ - the Social Security Benefits OptimizerGet the most out of your Social Security benefit!For many, filing for Social Security is a bigger financial decision than buying a home. A savvy strategy can provide tens of thousands of additional dollars. But if you start off on the wrong track, it may not be possible to fix it later. So choosing when and how to file deserves a careful plan. Timing is critical, especially for married (or previously married) filers. There are multiple filing strategies. Some allow you to receive some benefits early, while increasing your total earnings by delaying others. Properly combining multiple filings can yield significantly higher combined lifetime benefits.Consideration of life expectancy for both partners can also dramatically change the filing strategy. Whether your life expectancy is longer or shorter than average, you can use that information to earn better-than-average lifetime Social Security retirement benefits.When To File™ uses your birth date, benefit entitlement, and life expectancy estimate alongside those of your eligible spouse (and/or former spouse) to come up with a specific filing plan to maximize your combined lifetime earnings from Social Security retirement benefits. You can play "what if" by adjusting filing dates and life expectancies to see alternatives.Multiple graphs and charts illustrate cross-over points, earning sensitivity to filing age, projected lifetime benefits, and month by month earnings. Specific filing instructions are provided, with effective dates for each step in the plan. In this Home version, a limited number of plans can be stored for future reference, and to compare different assumptions. (Disability benefits, earnings from other pensions or benefit plans, work during retirement, interruption of benefits, family maximums, and other atypical circumstances are not addressed.)