Optimize your benefits with advice.
The average household loses over $110,000 in potential income by making the wrong Social Security claiming decisions. I can help you get the money you earned and are entitled to.
-Elayne Cotton
Don’t lose out on hundreds of thousands of dollars in lifetime benefits by making the wrong decision.
You may be able to collect up to one-half of your spouse’s benefits.
You may qualify for Social Security Disability Insurance benefits.
You may decrease your payroll taxes and still receive maximum benefits.
You may qualify to receive Social Security benefits from your ex-spouse.
You may qualify to receive survivor benefits that are greater than your own.
If you are a lawful permanent resident, you may qualify for Social Security.
With hundreds (and sometimes thousands) of filing options, getting the most from Social Security can be a complex decision. As a Registered Social Security Analyst, I can help you answer common retirement questions like:
At the completion of your analysis, you will be provided with a comprehensive planning report outlining your benefit considerations in a way you can easily understand; with instructions for when and how to file, calculations, definitions, and much more.
My name is Elayne Cotton, a Texas girl living in a Colorado world! I was raised in Dallas though once I left the big city I came to love small town living.
Northern Oklahoma College is where I discovered my love for teaching. I spent a great deal of time in a math tutoring lab helping others to understand the process of formulas and equations while earning a Mathematics degree.
In 2000, I arrived in Colorado to start a career at the local steel mill, where I worked with a diverse group of employees and cultures from both upper management and the workforce. It gave me insight and a new understanding of workers and the unions that protect their rights.
In honor of my parents who both served during World War II, I joined the American Legion Auxiliary 20 years ago because of the work they do for the veterans in our community. Health and Nutrition is also a personal interest of mine, which led me to own two unique direct sales businesses. Daily self-care, exercise as well as our mental health are so important to maintain as we age. It’s easier to accomplish if you start with one small change.
With an inspiration to teach something new, I acquired my accident and health insurance license in 2022. Understanding Medicare can be so confusing. I have the knowledge and tools available to teach you (and your loved ones) the ways and means of the Medicare plans and options available to anyone eligible for Medicare, and I’ll answer your questions and concerns. Together, we can find a solution that will bring you peace of mind. Connect with me over a cup of coffee or tea, my treat! I look forward to getting to know you.