Tonya Howze
RSSA
Coast Cities Insurance Solutions
1536 W Branch St
Arroyo Grande, CA 93420, US
Professional Details
With over 25 years of experience, I’ve built my career on helping people make informed and confident decisions about their future. Clients often describe me as kind, caring, and easy to talk to. As a Registered Social Security Analyst (RSSA), I bring a well-rounded perspective to retirement and financial planning. I also specialize in life, pre-need, and long-term care insurance, and hold licenses as a California Insurance Agent (#0C90341), Mortgage Broker (#01722024), and NMLS (#256230).
My goal is to provide guidance that’s not only professional, but personal—tailored to each individual’s needs, goals, and peace of mind.
Areas of Expertise
- Insurance Agent
- Other
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.
