Tracey DeAnna White - Social Security mid-life and retirement planning

Start Sooner Services

Social Security Planning

We'll conduct a thorough review of your social security status and benefits. If needed, I will help create an account on the Social Security website and guide you through the application process.

I provide a comprehensive social security analysis, assessing your earnings history, reviewing various claiming scenarios, and strategizing the optimal time to claim benefits while minimizing taxes.

$250 Per Person ~ Discounts available based on income

Health Insurance Review

Through our Health Insurance Review, we ensure you’re getting the most out of your current plan, identify benefit areas to reduce costs, and recommend adjustments. including tax credit opportunities and tax advantaged planning before and after Medicare

Final Chapter Succession Planning

Planning for the future is essential. My Final Chapter preparation services include organizing vital documents and setting up a Next of Kin (NOK) box. This provides your loved ones with peace of mind and ensures that your wishes are honored.

Financial Literacy Coaching

I offer personalized one-on-one coaching for financial literacy. So you can break the cycle of poverty and grow wealth. This service integrates habit-building techniques and neuroscience-based education to empower you to take control of your personal and business affairs. Gain new understanding and confidence in managing your financial future.

Service Fee Disclaimer

Some of the products offered on this site may earn a commission. For services where a commission is not applicable, a planning fee may be associated.

All costs will always be discussed upfront to ensure complete transparency. Fees vary on a case-by-case basis, requiring different hours depending on the specific service. However, please note that my rates are generally less than those of an attorney.

If you have any questions or require further information, please feel free to reach out.

WHO WE HELP

Everyone can benefit from our service

Retirees and Pre-retirees

We specialize in helping those preparing for retirement optimize Social Security income over their lifetime, reducing taxation, and ensuring a secure and comfortable future. We provide a comprehensive social security analysis, assessing your earnings history, reviewing various claiming scenarios, and strategizing the optimal time to claim benefits while minimizing taxes.

It is never too soon to start.

Adult Children Assisting Parents with Retirement Planning

Our specialized coaching service is designed to support adult children who are navigating the complex journey of helping their parents prepare for retirement. We focus on providing clear strategies for financial management, while maintaining financial stability and personal freedom.

Self-Employed Individuals and Business Owners

For those who are self-employed, I provide tailored strategies to reduce their SECA taxes nearing retirement and maximize their Medicare and ACA benefits, empowering them to have the coverage they need without unnecessary costs.

High-Earning individuals and couples

Individuals that earn more than $85k and couples who earn more than roughly $195k per year could be subject to an Income-Related Monthly Adjustment (IRMMA) for Medicare Part B and D by the Social Security Administration. They can benefit significantly from my expertise in navigating Medicare costs.

Ex-Spouses

Divorcees and ex-spouses may be eligible for Social Security benefits based on their former spouse's earnings record. Importantly, they can claim these benefits without their ex-spouse ever knowing, and it does not impact the ex-spouse's own benefits. Additionally, if the ex-spouse is deceased, the divorcee may be eligible for back pay as a survivor.

Widows

With eligibility potentially starting as young as age 60, it's crucial to understand the various options to maximize their benefits. My service helps widows navigate through the eligibility requirements, determine the optimal time to claim benefits, and provides ongoing support to ensure they make informed decisions that best suit their financial needs.

Expert Social Security and Medicare solutions

You deserve a future designed with precision and care. Gain clarity and peace of mind.

A thoughtfully devised plan helps reduce taxation and lets you keep more of your money

Planning enables the identification of optimized Social Security election strategies, versus simply maximized

Careful planning allows self employed business owners to identify SECA tax minimizing measures and control income to reduce Medicare costs after retirement

Schedule a Free Consultation

Our working Process

Discovery Phase

During our free consultation, I will take the time to understand your unique needs and goals. This includes comprehensively assessing your budgets, potential risks, and future estate planning requirements. This step ensures we are aligned and focused on your specific objectives.

Social Security Review

Following the discovery phase, I will conduct a detailed review of your social security status. You will receive a comprehensive report outlining strategies to maximize your benefits and ensure financial stability during retirement.

Health Insurance Review

In this step, I will evaluate your health insurance coverage, identify benefit areas to reduce costs, and recommend
adjustments. including tax credit opportunities and tax advantaged planning. This also includes Medicare and Part D

NOK Box & Document Preparation

The final phase involves preparing essential end-of-life documents and setting up your Next of Kin (NOK) box. I will also connect you with trusted professionals for additional services such as wills, Power of Attorney (POA), medical directives, or financial planning.

A NETWORK OF TRUST

Connecting You with the Right Experts for Your Lifestyle

Frequently Asked Questions

How does working with an RSSA differ from speaking with a government Social Security employee?

Government Social Security employees can provide information about your benefits and how to apply, but they are restricted from offering personalized advice or making recommendations. An RSSA, on the other hand, can analyze your individual situation, offer customized strategies, and give advice on the best ways to maximize your benefits.

What is a Registered Social Security Analyst (RSSA)?

An RSSA is a trained professional who specializes in providing detailed analysis and personalized strategies for optimizing your Social Security benefits. They assist clients in understanding complex Social Security regulations and making informed decisions. Some have a fee, some do not. They are not paid by the government.

Can an RSSA offer opinions and recommendations?

Yes, an RSSA is qualified to offer professional opinions and recommendations tailored to your specific circumstances. Unlike government employees, RSSAs can provide strategic advice to help you make the most of your Social Security benefits.

Why choose an RSSA or an insurance agent over government sources?

Choosing an RSSA or an insurance agent allows you to benefit from expert advice and personalized recommendations that can help you maximize your Social Security benefits and select the right insurance plans. Government employees are limited by law to providing information without giving personalized advice.

How can an insurance agent assist with Medicare and Part D plans?

An insurance agent can compare different Medicare and Part D options, explain coverage details, and help you choose the plan that best fits your medical and financial needs. They can also assist with the enrollment process and answer any questions you may have about your coverage.

Do I really need an estate plan?

Estate planning involves creating a plan for how your assets will be managed and distributed after your passing. It's not just for the wealthy; it's about ensuring your wishes are carried out and minimizing stress for your loved ones during a difficult time. Through estate planning, you can specify beneficiaries for your assets, designate guardians for minor children, and even make provisions for charitable contributions. Estate planning can also help minimize estate taxes, legal fees, and potential conflicts among heirs. By putting a comprehensive plan in place, you provide your family with clarity and financial security, ensuring that your legacy is preserved and your loved ones are taken care of according to your wishes.