Social Security Planning · Lincoln, NE
One decision. Thirty years of consequences.
When you claim Social Security affects your income, your spouse's income, your taxes and your survivor's benefit — often for the rest of two lifetimes. It's worth more than a rule of thumb.
Working with an RSSA®
What a Registered Social Security Analyst actually does.
Ryan Sanne is an RSSA® — a Registered Social Security Analyst. In plain terms, that means he has completed formal training on the rules the Social Security Administration uses, and works from your actual earnings record rather than generalities.
The Social Security Administration can explain your benefits and the rules that apply to you, but choosing when and how to claim is ultimately your decision. Our role is different. We help you compare claiming scenarios and understand how each option may affect your household's retirement income, spousal and survivor benefits, taxes and other income sources.
We'll run your household's options and show you the difference between them in dollars — then talk about which one fits your health, your work plans and your other income.
A review typically covers
- Your earnings record and what it projects at different ages
- Claiming ages compared side by side, in dollars
- How your spouse's claiming age interacts with yours
- Survivor benefits — what the surviving spouse would keep
- The earnings test if you plan to keep working
- How much of your benefit may be taxable
- Coordinating the claim with withdrawals and Medicare timing
Common questions
If you've wondered about any of these, you're in the right place.
- ?Should I claim at 62?
- ?Should I wait until full retirement age?
- ?Is waiting until 70 actually worth it?
- ?How do spousal benefits work?
- ?What happens if I keep working after I claim?
- ?How are survivor benefits calculated?
- ?Will my benefit be taxed?
- ?How does Social Security fit with my other retirement income?
Three things people get wrong
The costly mistakes are usually quiet ones.
Claiming the day they stop working
Retiring and claiming are two separate decisions. Sometimes bridging a couple of years from savings buys a permanently larger benefit.
Forgetting the survivor
In most married households, one benefit goes away when the first spouse dies. Which one remains — and how large it is — was decided years earlier.
Treating it in isolation
The claiming age changes how much you pull from IRAs, what tax bracket you land in, and whether you need guaranteed income elsewhere.
Omega Insurance & Legacy Planning is not affiliated with or endorsed by the Social Security Administration or any government agency. Analyses are based on the information and earnings record you provide and on current law, which can change.
Let's look at your earnings record together.
Bring your Social Security statement and we'll walk through the claiming ages side by side, in real numbers for your household.