Fees & guarantee
Two flat-fee options, a full money-back guarantee, and complete transparency about how insurance recommendations are compensated.
My fees compensate the professional time it takes to analyze your situation, prepare your customized RSSA® Roadmap report, and meet with you personally to review the findings. There are no hidden costs.
Individual Analysis
$99
Comprehensive analysis of your personal Social Security claiming options.
- A customized, comprehensive RSSA® Roadmap report
- A dedicated review meeting to walk through your strategy and answer your questions
Couples Analysis
$149
Joint optimization analysis maximizing cumulative lifetime benefits for both partners.
- Coordination strategies for spousal benefits, survivor benefits, and filing dates
- A customized, comprehensive dual RSSA® Roadmap report
- A dedicated review meeting to walk through your combined options and answer your questions
My guarantee
If you aren't completely satisfied with your RSSA® Roadmap analysis, let me know and I'll refund your fee in full, no questions asked. The report is yours either way. You're free to take it to any other advisor or agent you choose.
Not sure which option fits you? Book a consultationInsurance products and commissions
- I'm also a licensed Life, Health, and Variable Annuity agent in the State of Florida (License 2-15).
- If your plan shows a need for guaranteed income or extra protection, I might suggest options like Single Premium Immediate Annuities (SPIAs), Multi-Year Guaranteed Annuities (MYGAs), or Long-Term Care insurance.
- If you decide to buy a policy through me, the insurance company pays me a commission. That's kept entirely separate from your RSSA® Roadmap fee, and you're never obligated to buy anything.
- I don't act as an investment fiduciary, but I hold every insurance recommendation to the NAIC and Florida Best Interest standards, so it has to fit your real needs, risk tolerance, and timeline.
Frequently asked questions
- Why charge a flat fee if you also earn insurance commissions?
- The flat fee guarantees an objective, software-backed Social Security strategy regardless of whether you ever buy an insurance product. Many clients only need a claiming strategy and no insurance at all.
- Are you a financial fiduciary?
- No. Because I'm a licensed Florida insurance agent who may earn a commission on product sales, I don't classify myself as an investment fiduciary. I'm bound instead by state and national Best Interest standards, so any recommendation still has to solve your documented needs.
- Do I have to buy insurance from you after the analysis?
- No. The RSSA® Roadmap report is yours. You're free to implement it yourself or take it to another licensed professional.
- Will buying an insurance product change my RSSA® fee?
- No. To stay fully transparent and comply with Florida insurance regulations on dual compensation, the RSSA® consulting fee and any insurance transaction are kept completely separate.
There's a teacher, not a salesman, behind this advice.
A short conversation could meaningfully change your outcome. Booking is free, and there's no obligation to become a client.