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HCM Social Security Maximizer™

Making the appropriate claiming decisions increase your portfolio’s longevity defense. We analyze your employment status, marital status, additional income sources, current need for income, reinvestment rate of your payments, current investment risk tolerance, and age and earning disparity between spouses. We help balance the desire to “break-even” with the need to combat longevity risk and create the best possible income plan for the entire lives of both spouses.