Nelson Tso

I am so pleased that you come visit my website!

Social Security is a complex program, and the retiring population needs support navigating the tricky claiming process and decision.

With over 75 million baby boomers and approximately 10,000 of them becoming eligible for benefits each day, the Social Security Administration (SSA) employees are not allowed to give personalized advice beyond the basic benefits and amounts available to the worker at certain age.

There are over 2700 rules, not including exceptions to those rules. Current retirees will lose an estimated average of $68,000 per household because they made a less than optimal decision of when to claim Social Security.

Given the potential for increased benefits, only about 4% of retirees make the financially optimal Social Security claiming decision. The costs of those less-than-optimal decisions are high, especially for those at risk of not having enough income to cover their basic living expenses.

Personal details that can complicate the claiming age decision include:
• Life expectancy
• Relationship status – single, married, divorced, widowed, remarried
• Minor or adult disabled children
• Collecting certain types of pensions
• Continuing to work while collecting benefits
• Disability, and more

My mission is to educate seniors and retirees regarding Social Security, provide ways to maximize their retirement benefit, build a solid retirement plan.