Paul Bernstein
Insurance Consultants, LLC Dba The Retirement Guru
The Retirement Guru
Southampton, PA US
Professional Profile
As a consultant for those approaching retirement, I specialize in providing expert guidance on navigating social security benefits, assisting with the application process for Medicare, and offering comprehensive support in selecting the most suitable health insurance plan. With a wealth of knowledge and experience in these areas, I am dedicated to empowering seniors to make informed decisions that optimize their financial security and healthcare coverage.
Applying for and maximizing Social Security Benefits
Applying for and maximizing Medicare
Choosing, Applying, & Maximizing your retirement health insurance plan
Credentials:
Licensed Attorney, State Bar of California #343548
Registered Social Security Analyst #7860
Licensed Health & Life Insurance Agent NPN#3388918
Areas of Expertise
- Attorney
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 deserve.
$111,000
Is 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.
