Professional vs. Self-Guided: When to Call a Pro
Some people can navigate the SSA website alone, while others need a co-pilot. Here is how to decide.
DIY via SSA.gov if:
- You are single, never married, and simply filing for your own benefit.
- You are married, both spouses are over full retirement age, and the math is straightforward.
Consult a Financial Professional if:
- You are a widow/widower: The “survivor switch” strategy requires precise timing calculations.
- You have a government pension: WEP/GPO rules are complex and often misunderstood.
- You have multiple ex-spouses: You can choose which ex-spouse’s record to claim on (provided marriages lasted 10+ years), but you need to run the numbers to see which is highest.
