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Social Security Planning

Social security has become an integral financial consideration for most Americans.  You need counsel from advisers who are aware of what the program can and cannot do and whether you can or cannot take early retirement without being penalized.

You need answers to these questions:

  • How do I apply for social security benefits?
  • How old do I have to be to apply?
  • Can I take early retirement without being penalized or can I restructure my finances to avoid penalties?
  • How much of my pre-retirement earnings are subject to social security tax?
  • What qualifies as full retirement age?
  • Is there a limit on what I can earn between age 62 and Full retirement age?
  • How does the cost of living adjustment work?

You need help to create wise strategies to maximize your social security benefits.  Sometimes inheritance or selling your business or cashing in investments on which you have substantial gains may substantially change when and how you start claiming your social security benefits.

Don’t make the mistake so many others make and collect either too soon or too late.

Plan now!  Avoid mistakes later!


What Our Customers Say About Us

"The team at Todd & Associates is always available and prepared to guide us through many complicated financial challenges. They truly work with us as a partner to keep our business successful."
Eric Nelson
Raduno Brick Oven and Barroom
Todd & Associates is the ideal firm for us. They provide great client service, are willing to help with anything, and are very experienced with our industry. They take the time to provide education, discuss our objectives, and always seem to get things done in a timely manner. The service, professionalism, experience, and effectiveness exceed expectations. I confidently and highly recommend Todd & Associates.
Alisa Petet-McElfresh
Gastro Arkansas
"I have been with Todd & Associates since my business began and I know they will take care of the financial matters so I can help my clients with their health. No matter what you need, they get it done for you."
Woody Brawley
Owner, Snap Fitness, Stuttgart, Arkansas
"We here at Watkins Automotive are thankful to have a strong team like Todd & Associates CPAs! They do a great job taking care of our books and payroll which allows us to maintain our focus on taking care of our customers’ needs!"
Jason Watkins
Owner, Watkins Automotive