Financial Planning & Retirement Services
Straight talk about the money side of retirement: when to claim Social Security, how to turn savings into steady income, and how to keep more of what you have. Plain English, no jargon, no pressure.
Trusted Partners for Your Retirement Income
Independent specialists we have reviewed, covering Social Security timing, retirement income, and the decisions that are hardest to undo once made.
Some links are partner links, which means Prime Years may earn a small commission at no extra cost to you. That never affects who we recommend.
Fiduciary Retirement Planning
Retirable
Licensed fiduciary advisors who build a full retirement income plan: what you can safely spend each month, and how to draw from your 401(k), IRA, and Social Security with less tax. Free, and no obligation.
Get a Free Plan →Retirable is a registered investment advisor. Investing involves risk, including the potential loss of principal, and past performance is not indicative of future results.
Social Security Claiming Strategy
Social Security Advisors
Independent specialists who help you decide when and how to file so you claim the highest lifetime benefit. A private advisory firm, not affiliated with the Social Security Administration.
Book a Free Consultation →Opens a live chat staffed by Social Security Advisors, not by Prime Years. Nothing loads until you choose to start it.
Retirement Money Checklist
Seven things worth having settled. None of them cost anything, and each one makes the next decision easier.
- Your Social Security statement downloaded from ssa.gov and checked for errors in your earnings record
- A written estimate of what you would receive at 62, at your full retirement age, and at 70
- Every retirement account listed in one place, with the current balance of each
- Beneficiaries reviewed this year on every IRA, 401(k), pension, and annuity
- A plain-number comparison of your expected monthly income against your monthly spending
- Required minimum distributions understood, including the age yours begin
- A trusted family member who knows which institutions hold your accounts