Richard Hirtle
IFSOL Associates, LLC
PO Box 2080
Dennis, MA 02638, US
Affiliations
Professional Profile
Richard C. Hirtle – Retired from a lengthy career in various Senior Officer Roles. Most recently as the Assistant Chief Compliance Officer for John Hancock Financial (a subsidiary of Manulife Financial) overseeing internal regulatory compliance for all SEC registered investment and insurance products. Also, responsible for administering the Code of Ethics for personal trading of approximately 450 employees. Prior to John Hancock was Vice President Treasurer of OneBeacon Insurance Company; Chief Financial Officer and Treasurer for a subsidiary of Manulife Financial; and Controller of Keystone Provide Life Insurance Company. Responsibilities included fund administration of the Company’s investments, vendor management/accounts payable; payroll, corporate financial reporting, actuarial financial planning, and expense and tax management for each Company. Upon graduation from college Mr. Hirtle joined Coopers & Lybrand (now PricewaterhouseCoopers) where he earned his CPA. Mr. Hirtle has both a BS and Masters degree from Northeastern University and has the following designations, Chartered Life Underwriter, Chartered Financial Consultant, and Registered Social Security Analyst. Completed continuing education requirements for the 2024 IRS Federal Tax filing season.
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.
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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
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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.
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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.
I am writing to express my highest recommendation for Richard Hirtle, a RSSA (registered social security analyst), whose advice and expertise have been of immense benefit to me. Over the past several weeks, Richard provided me with guidance on a range of social security issues, and his assistance has been nothing short of exceptional.
From our initial consultation, Richard demonstrated a profound understanding of the social security system. He was able to quickly and accurately assess my situation, identify key issues such as WEP and GPO, and provide clear, actionable advice for my wife and I. His comprehensive knowledge of social security rules and regulations, coupled with his analytical skills, ensured that every recommendation he made was both thorough and precise. He took the time to walk me through each aspect of his 21 page analysis, ensuring that I fully grasped the implications and options available to me.
Thanks to Richard’s guidance, I was able to navigate the complexities of the social security system with ease and less confusion. I am immensely grateful for his assistance. His professionalism, expertise, and exceptional communication skills make him an invaluable resource to those looking for guidance.