How To Get The Most Out Of Your Social Security With Marc Kiner

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[133] – More than 90% of Americans aged 65 and older receive Social Security benefits. With so many people relying on this program, it’s important to understand how to make the most of it.

In this episode, Jeremy Keil speaks with Marc Kiner, CPA, about how you can get the most out of your Social Security benefits. Marc offers advice on getting the most out of your Social Security benefits, including the concept of situational Social Security, avoiding common mistakes, and maximizing your benefits.

Marc discusses:

  • What situational Social Security is
  • What people most often miss when they think about Social Security
  • Why he doesn’t take advice from Social Security Administration
  • What you should try to maximize when you file for Social Security
  • And more

How To Get The Most Out Of Your Social Security

Many Americans rely on Social Security for their retirement income. However, filing for Social Security benefits can be a complicated process, and it’s easy to make costly mistakes.

That’s why it’s essential to have a deep understanding of how the system works, what you should consider when making decisions, and how to get the most out of your Social Security benefit.

Follow along for some of the key concepts of Situational Social Security that can help you maximize your lifetime benefit.

What is Situational Social Security?

Situational Social Security refers to the idea that everyone’s Social Security situation is unique. People have different life expectancies, health statuses, financial needs, and retirement goals, among other factors.

Therefore, there is no one-size-fits-all approach to Social Security filing strategies. Instead, you need to tailor your approach to your specific situation to maximize your benefits.

What are people most often missing when they think about Social Security?

The family unit! Social Security benefits aren’t just for the individual filing for benefits; they are for the family unit as a whole.

That’s why you need to consider the impact of your filing decisions on your spouse, surviving spouse, and children. Many people make the mistake of focusing only on their benefits and not considering how their filing decisions affect their family’s long-term financial security.

What’s the biggest advantage of Social Security?

One of the most significant advantages of Social Security is that it provides guaranteed monthly income for life, no matter how long you live.

This guaranteed monthly income can help you cover your essential expenses and provide a safety net against unexpected expenses or market downturns.

However, people often overlook this aspect of Social Security because they focus too much on the system’s math. Social Security is not just a math problem; it’s a real-life solution that provides tangible benefits to retirees.

Should you take advice from the Social Security Administration?

The Social Security Administration is not in the business of providing financial advice. Their job is to administer the Social Security program and provide information about how the program works.

They are not authorized to provide personalized financial advice or recommend specific filing strategies. Because of this, it’s crucial to seek guidance from a qualified financial advisor with expertise in Social Security planning.

What should you try to maximize when you file for Social Security?

People should be trying to maximize their lifetime benefits. Social Security is a lifetime benefit you will receive for as long as you live. So it’s important to focus on maximizing the total benefits you will receive over your lifetime, not just the monthly benefit amount.

Many people tend to focus more on the short-term gain of getting benefits as soon as possible, but this can be a costly mistake in the long run because it risks reducing your total lifetime benefits.

Overall, it’s essential to understand that everyone’s situation is unique, and there is no one-size-fits-all approach to Social Security planning. 

By considering factors such as your health, life expectancy, financial needs, and retirement goals, you can make informed decisions that can help you maximize your lifetime Social Security benefits.

Don’t risk leaving money on the table. Seek guidance from a qualified financial advisor who can help you navigate the complexities of the Social Security system and develop a personalized filing strategy that meets your specific needs and goals.


To learn more about How To Get The Most Out Of Your Social Security, check out the resources below!

If you have any questions, feel free to contact us or our guest, Marc Kiner, using the contact information provided below!


Connect With Marc Kiner:

Connect With Jeremy Keil:

About Our Guest:

Marc Kiner, CPA® has 35 years experience in public accounting. Marc recently sold his CPA practice to concentrate on Social Security. His primary areas of service were to privately held businesses and individuals. Marc also consulted with clients on a variety of complex tax and business issues. Marc obtained his Bachelors of Science degree in Accounting and Finance and a Masters Degree from the University of Cincinnati. He is licensed to practice as a CPA in the state of Ohio.



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Keil Financial Partners does not provide any tax advice. No information or results from the links should be interpreted as tax advice. Please seek guidance from a qualified tax professional for any and all tax-related matters.

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