CFP-reviewed claiming analysis

Run your numbers. Decide once. Get peace of mind.

A fee-only financial advisor charges $300–$500 for this analysis. Our CFP-validated decision engine delivers your personalized strategy in 10 minutes — no appointment, no commission, no conflict of interest.

Get My Strategy — $99

See a sample report

✓ CFP-reviewed methodology ✓ No products sold ✓ Secure & private

Claiming Strategy

$99

Projected lifetime benefit by claiming age

Recommendation

Delay primary earner to 70; coordinate spouse benefit at FRA.

+$78,400

Lifetime impact

10 min

To a clear answer

This is the one financial decision you can’t undo.

Most people spend more time researching a car than their Social Security claiming date. But unlike a car, you can’t trade this decision in. Claim too early and you lock in a permanently reduced benefit — for you and potentially for your spouse after you’re gone. Claim too late and you may leave years of benefits uncollected. The right answer depends entirely on your situation.

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For couples, this decision isn’t just about you. It’s about what she receives for the 20 years after you’re gone.

Claiming window

Age 62–70

Impact horizon

Up to 30 years

Advisor-quality analysis. A fraction of the cost.

Comparison

Fee-Only Financial Advisor

Retipath

Cost

$300–$500

$99

Time to answer

Days to weeks

10 minutes

Conflict of interest

Sometimes

Never

Available 24/7

Yes

Spouse reviews together at home

Awkward

Natural

Run what-if scenarios

Yes

Three steps to your Social Security strategy.

Answer plain-English questions about your situation

Marital status, ages, earnings history, health, other retirement income. No SS expertise required. The tool applies the rules for your specific situation.

Answer plain-English questions about your situation

Marital status, ages, earnings history, health, other retirement income. No SS expertise required. The tool applies the rules for your specific situation.

Our engine runs your numbers across every claiming age

Ages 62 through 70, spousal coordination, survivor benefit impact, break-even analysis — all calculated for your specific inputs.

Our engine runs your numbers across every claiming age

Ages 62 through 70, spousal coordination, survivor benefit impact, break-even analysis — all calculated for your specific inputs.

Get your personalized recommendation

A clear strategy in plain English, with a shareable PDF you can review with your spouse or CPA.

Get your personalized recommendation

A clear strategy in plain English, with a shareable PDF you can review with your spouse or CPA.

Why people trust this analysis.

CFP-Reviewed Methodology

Calculation logic reviewed by independent fee-only Certified Financial Planners.

CFP-Reviewed Methodology

Calculation logic reviewed by independent fee-only Certified Financial Planners.

No Commissions, Ever

We don’t sell products. We sell analysis. That’s the whole business model.

No Commissions, Ever

We don’t sell products. We sell analysis. That’s the whole business model.

Built on SSA Rules

Recommendations use official Social Security Administration rules and published guidance.

Built on SSA Rules

Recommendations use official Social Security Administration rules and published guidance.

Personalized, Not Generic

Every analysis accounts for your age, earnings, health, and marital situation.

Personalized, Not Generic

Every analysis accounts for your age, earnings, health, and marital situation.

Shareable Output

Download a PDF to review with your spouse, CPA, or estate attorney.

Shareable Output

Download a PDF to review with your spouse, CPA, or estate attorney.

Transparent Assumptions

We show you the break-even age AND explain why it’s not the whole picture.

Transparent Assumptions

We show you the break-even age AND explain why it’s not the whole picture.

What a real analysis looks like.

John (age 66) + Mary (age 63)

Anonymized

Strategy

John delays to 70 / Mary claims at Full Retirement Age

+$78,400

Estimated lifetime benefit impact vs. both claiming at 62

+$1,100/mo

Survivor benefit for Mary if John claims at 70 vs. 62

Based on anonymized inputs. Your results will reflect your actual earnings history and situation.

Questions people ask

What if Social Security gets cut?

What if I wait and die before I break even?

What if I’m already claiming?

Is this just a calculator?

Do I need my Social Security statement?

Is my data secure?

The only way to know is to run your actual numbers.

10 minutes. One decision. No advisor appointment required.

Get My Strategy — $99

30-day satisfaction guarantee. If the analysis doesn’t give you clarity, we’ll refund you.

Get My Strategy — $99