Maximize Benefits. Minimize Regret. Secure Your Future.
Social Security isn’t a checkbox—it’s a six-figure decision.
At Boutique Family Office™, we don’t hope you get it right—we engineer a precise, tax-efficient claiming strategy as part of your broader retirement plan. No fluff. No guesswork. Just smart, fiduciary planning built around your life.
Why Social Security Timing Is a Million-Dollar Decision:
Using our Strategic Wealth Alpha GPS™ and SWAG Retirement Roadmap, we pinpoint the ideal time to claim—not with boilerplate charts, but with real-life data unique to your situation. We factor in longevity, spousal income, survivor benefits, tax exposure, inflation, and cash flow—so your Social Security works for you, not against you.
What Really Impacts Your Social Security Outcome
- Choosing the Right Start Date: Understand the trade-offs between claiming at 62, waiting until full retirement age, or maximizing benefits at 70.
- Protecting Both Spouses: Coordinate benefits to optimize lifetime income and survivor protection.
- Divorced? Don’t Miss Out: If you were married for 10+ years, you may qualify for spousal benefits—even if your ex hasn’t filed.
- Avoiding the Widow’s Penalty: After the loss of a spouse, up to 85% of Social Security income can become taxable. We help structure your income to reduce that burden.
- Guarding Against Future Tax Hikes: We build a forward-looking plan to protect surviving spouses from steep tax increases caused by changes in filing status and income thresholds.
- Planning for the What-Ifs: We stress-test your strategy against potential benefit cuts—like the projected 20% reduction in 2034—and adapt your plan accordingly.
Why Boutique Family Office™ Is Different
Most firms offer generic advice. We don’t.
At BFO, we build fully integrated Social Security strategies inside a comprehensive, science-based financial plan.
- Seamlessly connect your Social Security with tax, investment, and estate strategies
- Maximize household cash flow across every retirement phase
- Use our SWAG Retirement Roadmap to align your benefits with your Needs, Wants, and Legacy goals
- Empower you with my.bfocfo.com—our secure platform for real-time visibility and control of your retirement, income, and benefits
This is personalized, proactive planning—not a one-size-fits-all worksheet.
Want a Smarter Way to Claim?
Get the Guide: Optimizing Social Security Benefits
Unlock the full value of your Social Security with smart, strategic planning. Learn how timing, taxes, and spousal strategies can work in your favor—so you keep more of what you’ve earned.
Precision Over Assumptions
Most retirees leave tens—or even hundreds—of thousands on the table.
Let’s build a strategy that puts that money where it belongs: in your future.