Carolyn Lund
Medicare & Social Security Benefits Specialist
Carolyn Lund
Grand Rapids, MI US
Affiliations
Professional Details
Carolyn Lund has received training in Social Security regulations, including claiming strategies for different situations. After taking the comprehensive course, Carolyn has passed a proctored exam in order to earn the RSSA certificate. Determining when to claim your Social Security benefits can be challenging. Carolyn will help you navigate these pitfalls and answer questions you don’t know to ask. Carolyn will balance your Social Security choices with your overall retirement planning. Speak with Carolyn Lund — a trained advisor — for a consultation. If you decide to engage Carolyn Lund, you’ll receive a comprehensive personalized analysis and advice that may provide you with thousands or tens of thousands more in lifetime benefits.
Areas of Expertise
- Insurance Agent
- Medicare Advisor
- Retirement Specialist
Real Stories from Real People
Most People Leave Money on the Table
96% Don't Optimize
Very few people get all the Social Security they’re entitled to.
$111,000 Average Lost
The average household is losing $111,000 in potential income.
1 Chance To Claim
Social Security gives you one chance to get it right – forever.
Maximize Your Benefits
Discover important information for your situation.
Married
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.
Divorced
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.
Widowed
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.
Single
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.
Self-Employed
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.
Disability
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.
Immigrant
If you are a lawful permanent resident, but not yet a citizen, you may still qualify for Social Security benefits. Ask an RSSA® for details.
Carolyn Lund proved to be a Godsend to me! Have you ever heard anyone say “I don’t know what I don’t know”? That was the case for me when I needed to sign up for Medicare in 2025 and again in 2026 when I decided to start taking Social Security. She was very patient with me as I spent time asking many questions. She was extremely helpful walking me through my concerns as well.
Carolyn guided me through my Medicare options so I could choose the best fit. We communicated at length over several months, reviewing my Social Security options until I decided to start drawing my benefits. Her Social Security analysis reports were invaluable for that decision-making process. While most people believe that by our mid-50s we should start those conversations, I dare say the earlier those conversations start, the better. Young people need to understand these benefits so they can set goals based on that knowledge. – Alix Criswell
Carolyn is a wealth of information with the social security benefits and Medicare landscape. She makes the transition into retirement seamless and stress-free. I highly recommend anyone considering retirement to talk with Carolyn to maximize benefits and look at Medicare options.
My wife and I seeked professional guidance involving social security benefits from Carolyn and we were beyond impressed. There was so much information that she shared with us and was broken down to be easily understood. I was shocked at how much there is to learn/know. We could not have navigated these important, life changing decisions without Carolyn.
Amazing, all the stuff I did not know about Social Security benefits. And all the stuff that Carolyn knew!
I can’t recommend enough meeting with Carolyn to go over all your SS options. There are easy tweaks, various options, and even loop holes that we would have never known or understood. Because of Carolyn we know we made the best choice for our unique circumstances and we feel confident that we are getting the money that we earned and deserve.
Thank you Carolyn Lund for you time, kindness, and knowledge!