Why your advisor doesn’t offer this service.

You may have received financial and retirement planning advice from a financial advisor, an insurance agent, or even a “family banker.” None of these individuals are charitable institutions – in many cases, their advice includes recommendations on the purchases of insurance policies, annuities, stocks, etc., for which they receive a commission as do I when I sell these instruments. In my own case, I found that I could not offer the best possible service to my clients without becoming an expert on Social Security, as well. Obviously, no commissions are paid on this portion of my business. It is something I choose to do to provide the best, most complete, retirement planning services I can. Like my colleagues, I am not a charitable institution, either.