Founded by former NYSE Market Maker & Social Security pioneer Matthew Allen, RetirementAdvisors.com™ untangles 2,728 complex rules and over 9,200 claiming strategies to deliver your Maximum Retirement Strategy™.
Independent Social Security Optimization
Co-Founder & CEO, Social Security Advisors
Pioneer in Social Security Optimization & Lifetime Income Planning
Matthew Allen co-founded Social Security Advisors and RetirementAdvisors.com™ with a singular mission: to provide American retirees with unbiased, expert advice on how to navigate the complex maze of Social Security regulations.
With a rich background as a former NYSE Market Maker and extensive experience in institutional financial analysis, Matthew recognized that most Americans lose tens of thousands of dollars simply because the Social Security Administration is legally prohibited from giving personal strategy recommendations.
See how timing your Social Security filing impacts your lifetime cumulative income.
Estimated gain of delaying from Age 62 to Age 70 based on your inputs.
Comprehensive retirement income, tax reduction, and Social Security execution designed to protect your financial independence.
Custom algorithmic modeling of over 9,200 claiming scenarios to pinpoint the exact filing date and order for individual and spousal benefits.
Filing SSA-44 appeals to eliminate or lower high income-related Medicare Part B and Part D monthly surcharge penalties.
Skip the confusing Social Security Administration bureaucracy. We execute and submit your application on your behalf, guaranteeing zero costly filing errors.
Blend your Social Security with investment portfolio distributions, Roth conversions, and Required Minimum Distributions (RMDs) to minimize tax brackets.
Protect your life savings against unforeseen healthcare costs and long-term care expenses through integrated longevity advisory models.
Protecting surviving spouses from losing critical retirement income when the higher-earning spouse passes away through strategic early coordination.
Did your income temporarily spike 2 years ago due to a property sale, Roth conversion, or business transaction? Or have you recently retired or reduced work hours? You may be overpaying $1,000 to $6,000+ per year in Medicare IRMAA penalties.
How we transform complex regulations into a simple, straightforward strategy customized exclusively for you.
We analyze your official SSA earnings history, marital record, pension eligibility, and personal retirement goals to uncover hidden benefit leverage points.
Our proprietary software models thousands of timing combinations, spousal switches, and survivor safety floors to identify your highest cumulative payout.
We stress-test your benefit start dates against investment distributions and Medicare premium tiers to prevent unexpected tax brackets and surcharges.
Your dedicated Certified Social Security Advisor handles the paperwork and filing directly, guaranteeing accuracy without you ever stepping foot in an SSA office.
Frequently requested speaker for the Retirement Speakers Bureau and national media commentator.
"Social Security claiming decisions are often treated as simple paperwork when they are actually complex financial derivatives. Making a mistake at age 62 affects your lifetime standard of living."
"The majority of couples fail to coordinate spousal benefits, forfeiting over six figures in guaranteed inflation-adjusted lifetime income over their retirement years."
"Bridging the education gap in Social Security requires dedicated specialization. Traditional wealth management firms simply don't have the time to master 2,700 rules."
"My husband and I were planning to file at 62 just to be done with it. Matthew Allen's team ran our numbers and showed us how coordinating spousal filing would net us an extra $142,000 over our lifetimes. Remarkable service!"
"After selling my dental practice, Medicare hit me with an IRMAA surcharge that added almost $400 a month to my Part B. Matthew's team handled the SSA-44 appeal completely. Got my money back guaranteed!"
"Filing for Social Security sounded terrifying with all the bureaucracy. They handled every form electronically and verified my benefit check before it hit my direct deposit. Worth every penny."
Schedule your 1-on-1 Maximum Strategy™ consultation with Matthew Allen’s senior advisory team. No pressure, completely tailored to your personal financial numbers.