My name is Dr. America Foster and I am a Financial Educator, a Registered Social Security Analyst as well as Family Physician in RI. At first that may seem like a strange combination of professions, but for me the 3 professions go hand in hand as they both address the two top issues people are most worried about namely their finances and their health. Schools have done a good job teaching students about their health but a poor job on teaching students about how to manage their future earnings and worse about how to start saving for retirement.
Approximately half of Americans will most likely be unable to sustain their standard of living in retirement? For a large percentage of Americans, their social security income is their largest retirement asset. When and how retirees make their claiming decisions can make a difference of hundreds of thousands in retirement income over their lifetime. My goal is to help optimize this income for families who have come to rely heavily on social security as their main retirement funding source. Your financial future is not in the hands of your employer, your bank, your union or your government. Your financial future is in your hands. My hope is that through education I can help you understand what works best for you and your family.
Most People Leave Money on the Table
Very few people get all the Social Security they deserve.
The average household is losing $111,000 in potential income.
Social Security gives you one chance to get it right – forever.
Maximize Your Benefits
Discover important information for your situation.
If you are married, you may be able to collect up to one-half of your spouse’s Social Security benefit. This won’t affect your spouse’s checks. Ask an RSSA® for details.
If you are divorced and 62 or older, you may qualify to receive Social Security benefits from your ex-spouse — in addition to your own Social Security payments. Ask an RSSA® for details.
If your spouse has passed away, you may be eligible for a survivor benefit. The extra money may be essential for you. Ask an RSSA® for details.
If you are single, and solely responsible for your retirement, making the optimal Social Security claiming decision is particularly important. Ask an RSSA® about your options.
As a self-employed person, you may be able to decrease your payroll taxes — yet still receive the maximum income from Social Security. Ask an RSSA® for details.
Social Security can provide valuable disability benefits if you qualify, but these benefits — and how you qualify for them — are often misunderstood. Ask an RSSA® for details.