As a registered financial service firm, we provide a comprehensive range of services, allowing us to help our clients in different areas.
Our organization prides itself on providing full-service retirement planning to Grapevine and the surrounding communities. We take an extensive look at each client’s unique mix of assets to integrate all aspects of our clients’ wealth into a coordinated plan.
Income planning for retirement can be a daunting task for many retirees because there is a lot to learn. At FFS Group, we are here to help you navigate throughout each of the three income planning phases…
Women face very different challenges when it comes to preparing for their retirement and the later years of life. Empowering women for financial success helps address those unique challenges.
It can be beneficial to have a sound plan to be able to fund long-term care, should you need it at any point in your retirement. We are here to help you prepare for a long and comfortable retirement.
We help our clients develop a clear understanding of their Social Security benefit. There is a lot to learn about Social Security, and it is important for you to be educated so that you head into retirement with a plan on exactly how you will rely on your benefits.
While there is no shortage of things to plan for in retirement, it’s critical to address your health concerns by crafting a comprehensive health care strategy. There are various ways to accomplish this…
It wasn’t that long ago that managing your financial lives meant keeping track of dozens – if not hundreds – of documents like trusts, wills, powers of attorney, insurance policies, investments and more. They were squirreled away in drawers…
Life insurance may provide peace of mind for the policyholder that their loved ones will be taken care of financially in the event that they pass away. It can also offer a number of benefits that may make it a valuable tool.
It all depends on your requirements. For example, term life insurance is worth considering if you are looking for immediate protection without having to commit to a permanent policy. You can consider whole life insurance if you want a versatile life insurance policy.
Your Social Security benefit is based on your earnings over your working life. The Social Security Administration (SSA) formula to calculate your benefit takes into account 35 years of earnings history—the highest-earning years are given the greatest weight when calculating your benefit amount.
Zeros will be included in the calculation if you have less than 35 years of earnings history. It’s important to understand that not all income is counted towards this calculation; only wages from jobs you were covered by Social Security are taken into account to calculate benefits.
For more information, please contact us to connect with your financial advisor
The earliest age that an individual can start collecting their earned Social Security benefits is 62. However, this age will continue to rise over time in accordance with changes in life expectancy. If you decide to collect your benefit before turning 66 (full retirement age), you may receive a different amount than you would otherwise have.
Alternatively, if you delay collecting your benefit until after your full retirement age, you could receive up to 8% more per year for each year after 66 (up until 70). This makes it essential for individuals to determine when they should begin collecting their social security benefits based on their situation and goals.
Life insurance can play a vital role in your retirement planning and at any stage of your life when it comes to financial security. Planning ahead and starting sooner will benefit you the most and, most importantly, give you cost-effective options. Call us to learn about your different life insurance policy options!
Yes, FSS Group is a fee-based independent registered firm located in Texas. We take pride in having a solid reputation and long-term relationships with everyone we work for. We look forward to helping you with your retirement plans and other financial goals!