Social Security Planning Services in Minnesota & Wisconsin

We help individuals across Minnesota and western Wisconsin make smart, confident decisions about when and how to claim Social Security. Whether you're approaching retirement or already eligible, we'll help you understand your options, avoid costly mistakes, and fit your benefits into a broader income plan. Social Security is too important to guess-we'll make sure your choice is backed by strategy.

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How We Help You Claim with Confidence

We Explain Your Options Clearly

Social Security isn't one-size-fits-all. We help you understand how early or delayed filing affects your benefit-and how your decision fits with your income goals.


We Coordinate with Spouses

For married couples, timing strategies can have a big impact. We help you optimize across both records to increase total household income.


We Consider Taxes & Medicare

Social Security interacts with taxes and healthcare. We help you plan around income thresholds, Medicare premiums, and taxation of benefits.


We Factor in Longevity Risk

 Waiting to claim can mean higher income later on. We help you weigh short-term needs against long-term security, especially if you expect a longer retirement.

What's Included in Our Social Security Planning Services

01

Personalized benefit projections

02

Break-even & longevity analysis

03

Timing strategies for couples & survivors

04

Coordination with pensions, IRAs, & other income

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Tax implications & premium impact analysis

06

Integration with full retirement income plan

Who We Serve

We work with individuals and couples throughout southeastern Minnesota-including Red Wing, Hastings, Cannon Falls-and nearby Wisconsin communities like Prescott and River Falls, who want to maximize their Social Security benefits. Whether you're a few years out or ready to claim, we'll help you make a confident decision with your full financial picture in mind.

Common Social Security Questions

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  • When should I claim Social Security?

    It depends on your needs, life expectancy, and other income. We'll run side-by-side comparisons and walk through the pros & cons.

  • Will my benefits be taxed?

    They can be. We help you structure your income to potentially reduce how much of your benefit is taxable.

  • Can I still work and collect Social Security?

    Yes, but earnings before full retirement age may reduce your benefit. We'll explain the rules and help you time it right.

  • What happens to my spouse if I die?

    Survivor benefits can be a lifeline. We help couples understand how one decision affects the other-and how to protect the higher benefit.

  • What if I already claimed but think I made a mistake?

    You may be able to withdraw or suspend your benefit. We'll explain your options and whether a strategy change makes sense.

Let's Review Your Social Security Strategy

If you want to make the most of your benefits, let's have a conversation. We'll help you avoid common missteps and choose a path that fits your plan.