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Xenia CPA Advises On How To Plan Financially, For Your Future

Making the best choices for your retirement include careful planning


Xenia, OH – For many Xenia retirees, Social Security can represent a life-line. Understanding Social Security choices before making a decision is important for a secure financial future. Local CPA, John M Hicks, advises.
“I can say without question that Social Security is not simple. It may have been more so at one time, but it’s certainly not anymore. The first thing to do is to stay away from what’s considered conventional wisdom. How to elect for Social Security should not be a quick decision, and what works for others may not work for you,” Hicks explained.

The choice of how to elect for Social Security could be worth $250,000 of income or more. The main methods used are: “early filing,” “standard filing,” “delayed filing,” and "file and suspend.” They all depend on earnings, marital status, work during retirement, longevity and rates of return.
“There’s no question that it’s worth careful analysis of each option. It’s easy to make an impulsive or emotional choice on the matter. That said, the more you evaluate, the better. To start, you can find your own Social Security earnings and your projected benefits by calling the Social Security Administration or going online to their website,” Hicks said. “You’ve got to start somewhere, and now is as good a time as any.”
John M Hicks, with Hicks & Co Tax Service LLC offers tax services to individuals and small businesses. He enjoys helping individuals and families save money on taxes. Give him a call 937-372-7775, email or visit his website


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