01 · Social Security

The largest financial decision no one gives you help with.

Claiming at 62 instead of 70 can change lifetime household benefits by six figures. There’s no form that tells you which is right, no advisor assigned to you, and the field office can explain the rules but is not permitted to advise you on strategy.

By appointment — book online 24/7. We respond within one business day.

02 · The credential

RSSA® — Registered Social Security Analyst

A designation earned through the National Association of Registered Social Security Analysts, focused specifically on claiming strategy rather than product sales.

Fee-based, and separate. This work is paid for directly by you, under a written fee agreement. It is not a commission product and it is not a condition of working with us on insurance.

03 · What's actually at stake

It isn't one decision. It's five, and they interact.

When you file

Benefits are reduced permanently for filing before full retirement age and increased for each month you delay past it, up to 70. The break-even math depends on your health, your savings, and how long your family tends to live.

What your spouse does

Two filing decisions interact. The higher earner’s choice sets the survivor benefit — which the surviving spouse may live on for a decade or more. Optimizing separately usually leaves money behind.

Whether you're still working

Filing before full retirement age while earning above an annual limit triggers a withholding. It isn’t lost permanently, but the cash-flow surprise catches people who weren’t told.

What it does to your Medicare premium

Higher income raises your Part B and Part D premiums, on a two-year lag. A large one-time event now can raise your healthcare costs later — and that’s exactly the crossover most people never hear about.

What your family would need

The survivor benefit is a form of life insurance you already own. Knowing its size tells you how much more you actually need — and often, that it’s less than you were quoted.

04 · How it works

Start free. Decide about the rest afterward.

The consult costs nothing and carries no obligation. If a written analysis would help, we’ll quote it exactly at that point — and if it wouldn’t, we’ll tell you.

A free consult

Work history, marital status, health, and what retirement actually looks like for you. No cost, no obligation, and no plan pitch attached to it.

Your Roadmap Report

A written analysis comparing your filing options side by side, with the break-even math and the coverage implications spelled out. $500–$1,000, quoted exactly at the consult.

A refresh when things change

Rules move and so do lives. Your first refresh within 12 months is free; after that it’s a flat $195.

Coverage, only if you want it

The analysis stands on its own. If you’d like us to handle insurance too, we can — a separate decision you make after, not a condition of the first one.

05 · Plainly stated

We are not the Social Security Administration.

Guardian Benefits Group is a private, independent firm. We are not affiliated with, endorsed by, or acting on behalf of the Social Security Administration, the Centers for Medicare & Medicaid Services, the Medicare program, or any government agency. Anything you can do through us, you may also do yourself directly with SSA at no cost.

What we sell is analysis and time — not access.