Calculators Overview


Social Security Tax Calculator - This calculator is designed to illustrate a current scenario V.S. deferred scenario, so you can see what type of tax savings you could have by using a tax advantaged account. 


Accumulate Social Security - This calculator can be used to illustrate collect and save strategy. 




Social Security Collection Strategy Overview


 The Strategies listed below are designed to help you maximize your retirement income by collecting Social Security Benefits at the optimal age.



Restricted Application


The Bipartisan Budget Act of 2015 was signed November 2. This common filing strategies currently offered will no longer apply starting in 2016.


Other Collection Strategies




Social Security Tax Strategy Overview


The Strategies listed are designed to provide a tax benefit today while meeting future financial goals such as Retirement, Emergency Fund or Legacy planning. By simply moving certain taxable assets into tax advantaged accounts the interest earned does not appear on your tax return and is not used in calculating you combined provisional income. Combined Provisional Income is used to determine the taxable amount of Social Security Benefits.


Strategies for Retirement, Emergency Fund or Legacy planning



Roth IRA Conversion


Contributing to a Roth IRA or Converting from a Traditional IRA to Roth IRA can potentially reduce or eliminate the tax on Social Security in later years.  Income from a Roth IRA is tax free and is not used in the formula to determine the taxable portion of Social Security.  Note when converting to a Roth IRA the tax's are owed in the year of the conversion.



Investment Advice Offered Through Sandos Financial, Inc. Investment Advisor,  Life Insurance & Fixed Annuities Offered through Sandos Life Inc.  Sandos Financial, Inc. may only conduct business in states where it is properly registered.

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