Getting ready to file for social security?
See Every Option Before You Make a Permanent Decision.
If you're wondering when you should claim Social Security, you already know it's a big decision. That's exactly why I created The Smart Report—to help you understand your options before you file, so you can make your decision with clarity and confidence.
A message from
Mark Goodwin, RSSA. Founder of The Smart Report
The Smart Report is a personalized Social Security analysis designed to help you compare your claiming options before you file for benefits.
My PROMISE TO YOU
One Purpose.
One Focus.
No Sales Pitch.
✓ No financial products to sell
✓ No cross-sells
✓ We never sell your personal information
✓ No Social Security number required
✓ Reviewed by a Certified RSSA®
 CAN SOCIAL SECURITY HELP?
Social Security Can Explain Your Benefits.  They Can’t Recommend  When to File.
The Social Security Administration is limited to explaining program rules. They are not authorized to provide claiming advice or recommend strategies for your personal retirement goals.
Over 4 Million Americans  will claim Social Security this year.  Maybe  only 6% will optimize their  filing strategy ......  Will you?
SOCIAL SECURITY RULES
Over 2,000
Program Rules
✓ The rules are the same for everyone.
             Your decision isn’t.
✓ Social Security explains the program rules.
✓ You decide when to file.
THE SMART REPORT GIVES YOU CLARITY
✓ Compare your filing options.
✓ See how different filing ages may affect your  benefits.
✓ Understand how your decision may affect your spouse's benefits.
✓ Built using your actual Social Security earnings record.
✓ Know your options
✓ Understand your projected benefits
✓ Choose your best strategy
✓ File with confidence
You only get one chance to file. Get Clarity before you Claim
No Social Security Number Required. Securely Delivered within 24 Hours.
Your Smart Report Answers The Five Questions That Matter Most
One Clear Report. Personalized Social Security Clarity Before You Claim.
Hear how real retirees gained clarity before making one of retirement's biggest financial decisions.
$10,000 More per Year
$180,000 More
$1.5M to $1.7M Lifetime Benefit
Every retirement is different. Results depend on your earnings history, filing age, marital status and available claiming options.
The Heat Map Reveals Opportunities Most People Never See
Instead of guessing which filing age may be best, you'll see a visual comparison of how different claiming strategies may affect your projected lifetime income. The Heat Map helps reveal opportunities that are difficult to recognize by looking at benefit estimates alone.
Heat Map Strategy: See how different filing combinations may affect your projected benefits.
How The Smart Report Process Works
1
Order Securely
Your Social Security benefit is based on your lifetime earnings record. To create your personalized analysis, we'll show you how to securely download your Social Security Earnings History from SSA.gov. It's free and only takes a few minutes.
2
Get Your Earnings History
Sign in to your free Social Security account at SSA.gov and download your official Earnings History. We'll show you exactly where to find it.
3
Tell Us About You
Complete a short, secure intake form with the information needed to personalize your analysis.
4
Upload Your Earnings History
Securely upload the Earnings History you downloaded from Social Security.
5
Receive Your Smart Report
Your personalized Social Security analysis is securely delivered within 24 hours.
6
Optional Consultation
If you'd like help reviewing your results, schedule a 30-minute Zoom consultation with an RSSA®.
Two Reports. Two Different Purposes.
Which report helps you make a confident claiming decision?
Your Social Security Statement provides important benefit estimates. The Smart Report builds on that information by comparing filing strategies, projected lifetime income, spouse and survivor considerations, and the timing of your decision.
Your Social Security Statement
A valuable snapshot of your estimated benefits based on your earnings record and current assumptions.
- • Estimated monthly benefits at several claiming ages
- • Disability, survivor, Medicare, and earnings information
- • Based on one person’s Social Security record
- • Uses standard future-earnings assumptions
- • Does not compare coordinated filing strategies or lifetime outcomes
Provides estimated monthly benefits based on current assumptions.
Your Personalized Smart Report
A personalized report that compares claiming choices using your earnings history, household situation, future-income assumptions, and retirement goals.
- • Compares multiple filing ages and strategies
- • Shows monthly, annual, and projected lifetime benefits
- • Coordinates spouse and survivor considerations
- • Shows who files when and in what order
- • Identifies the strongest projected option under the assumptions provided
Compares your filing options before you make a permanent claiming decision.
PERSONALIZED
One provides benefit estimates.
The other helps you compare your claiming options.
Pick Your Personalized Smart Report
Choose the report that fits your situation.
Whether you're filing individually, coordinating benefits as a couple, or evaluating Social Security as a business owner, your Smart Report compares your filing options using your actual Social Security earnings history.
No Social Security Number Required.
Individual Report
$397
For single or divorced individuals who want to compare their Social Security filing options and understand how different filing ages may affect their benefits.
TOP SELECTION
Couple's Report
$497
For married couples who want to coordinate their filing decisions and understand the potential impact on household and survivor benefits.
Self-Employed Strategy
$597
For business owners and self-employed individuals whose earnings history and retirement situation may require additional Social Security analysis.