Top social Security optimization financial advisors
The right financial advisor for you depends on how you weigh location, expertise, experience, the clients they typically serve, and how they work with you.
You might need a Social Security optimization advisor if you're approaching retirement and want to maximize your benefits without triggering penalties or reducing your spouse's benefits. A common mistake is claiming benefits too early or in the wrong sequence, which can permanently lower your lifetime income.
- Claiming strategy nuances. Ask how they tailor your claiming age and sequence to your full work history and family situation.
- Spousal and survivor benefits. Confirm they consider how your decisions affect your spouse’s and survivor’s potential benefits.
- Coordination with other income. Check if they factor in how Social Security interacts with your pensions, retirement accounts, and taxes.
- Longevity planning. See if they model your benefits over your expected lifespan to avoid leaving money on the table.
Here are top matches to get you started. Review each profile to compare experience, credentials, and approach.
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Willie M
Series 63, Series 66
Cary, NC
Equitable Advisors
Willie Myles specializes in Social Security optimization and retirement income strategy, making him well-suited to help those approaching retirement maximize their benefits. Based in Cary, NC, he brings 16 years of experience and works at Equitable Advisors, a large firm serving high-net-worth clients, offering a range of fee structures and access to both advisory and brokerage services, which may provide more comprehensive financial planning options compared to smaller firms.
Experience: 16 years
Avg account: $609,299
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Stavroula K
Series 63, Series 65
Linwood, NJ
Ameriprise
Stavroula Koutsfetsoulis specializes in social security optimization and retirement income strategy, making her well-suited to help those approaching retirement maximize their Social Security benefits. With 25 years of experience at Ameriprise, a large institutional firm known for research-driven, tax-efficient retirement planning, she offers a comprehensive approach including income planning and withdrawal strategies, supported by a modest 0.15% AUM fee.
Experience: 26 years
Avg account: $471,167
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Cassandra S
Series 63, Series 65
Plano, TX
Financial & Tax Architects, LLC
Cassandra Sanchez specializes in Social Security optimization and retirement income strategy, making her well-suited to help clients maximize benefits and plan income effectively. Based in Plano, TX, she offers flat-fee services through Financial & Tax Architects, LLC, which focuses on high-net-worth clients nearing retirement and employs proprietary portfolio strategies using ETFs and individual securities, distinguishing her from advisors with traditional fee structures or broader client bases.
Experience: 7 years
Avg account: $239,584
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Keith E
CFP®
Pittsburgh, PA
Keith L. Eliou, CFP
Keith Eliou specializes in Social Security optimization and retirement income strategy, making him capable of helping clients maximize benefits and plan claiming sequences effectively. Based in Pittsburgh, PA, he is a CFP®-certified independent advisor with a unique background in elder law and real estate, offering financial planning at an hourly rate of $250, which may appeal to clients seeking specialized legal and financial expertise alongside Social Security guidance.
Experience: 2 years
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Charles P
CFP®, Series 63, Series 65
San Rafael, CA
WealthSpire Advisors
Charles Pyfer III specializes in Social Security optimization, offering tailored claiming strategies that consider spousal and survivor benefits, ideal for those approaching retirement. With 19 years of experience and CFP® certification, he operates within Wealthspire Advisors, a large firm known for a relationship-driven, diversified investment approach, serving high-net-worth clients with flat-fee structures, distinguishing him from advisors with smaller practices or different fee models.
Experience: 19 years
Avg account: $3,410,246
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