When is the best age to claim Social Security?

There isn't one best age — it depends on your health, marital status, other income, and tax picture. Claiming early locks in a smaller benefit for life; delaying to 70 grows it by roughly 8% per year past Full Retirement Age.

Will Social Security be there for me?

Under current law, the Social Security trust fund is projected to pay full benefits for years and then a reduced percentage without legislative changes. We plan for both scenarios so you're not caught flat-footed.

How is Social Security taxed?

Up to 85% of your benefit can be taxable at the federal level, depending on your combined income. Arizona does not tax Social Security at the state level.

Can you file for benefits for me?

No — you file directly with the Social Security Administration. We help you decide when and how, then coordinate the rest of your income plan around it.

(602) 753-4244 info@solutionsfirstgroup.com14614 N Kierland Blvd, Suite N330, Scottsdale, AZMon–Thu 9–5 · Fri 9–2 MSTMon–Thu 9a–5p · Fri 9a–2p MST · By appointment

Schedule

Social Security

Claim Social Security with a coordinated strategy — not a guess

Compare claim ages, spousal and survivor options, and how benefits interact with taxes on your other retirement income.

Book a no-cost Strategy Session

A couple reviewing a Social Security benefit statement together at their kitchen table

What's included

A written plan built around your goals — clear, coordinated, and in writing.

Claim-Age Comparison

Side-by-side breakeven analysis for claiming at 62, at Full Retirement Age, and at 70.

Spousal & Survivor Strategy

Coordinate benefits between spouses to help maximize household lifetime income and protect the surviving spouse.

Tax-Torpedo Analysis

Model how Social Security becomes taxable as other income rises, and identify years when Roth conversions may help.

Divorce & Widowed Benefits

Review eligibility for benefits based on a former or deceased spouse's earnings record.

Our process

Simple, transparent, and never rushed.

01
Discovery Call
A brief conversation to understand your goals, timeline, and current situation.
02
Strategy Session
A no-cost 45-minute review with Joe covering income, taxes, protection, and legacy gaps.
03
Written Plan
You receive a clear, written roadmap outlining recommendations, trade-offs, and next steps.
04
Implementation & Reviews
We help implement the plan and revisit it as life, markets, and tax law change.

Ready to see how this looks for your household?

Your Strategy Session is at no cost and no obligation. Bring your questions — we'll bring the analysis.

Schedule Now

Frequently asked

Answers to what people ask us most.

What you can expect

Straight answers, in writing, without pressure.

A 45-minute no-cost Strategy Session with Joe Donti
Clear written recommendations — no heavy product pitch
Coordination with your CPA and attorney where relevant
By-appointment scheduling — never a call-center handoff

Plan your next step

Independent retirement income, tax, and legacy planning — in person by appointment or by secure video.

Request a Retirement Plan Review

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Scottsdale, AZ

Our Kierland office serving North Scottsdale households.

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