Social Security - Cooper Financial

Risk score | client login

Social Security

If you’re like many retirees, your Social Security benefit represents years of savings and hard work and may be the foundation upon which you plan to build and grow your retirement income. Though most Americans have some basic familiarity and knowledge on the topic, far less are able to determine — on their own — the optimal way to file so they can maximize their benefit and carefully integrate it into the rest of their retirement strategy.

We help our valued clients develop an understanding of their Social Security benefit, and both educate and inform them on the optimal time to start accepting their benefit. According to the Social Security Administration¹, delaying your benefit may potentially increase your benefit amount by as much as 8% per year.

There is a lot to know about Social Security, and it is important for you to be educated so you head into retirement with a strategy on how you will rely on your benefits. Our firm is committed to helping you get the most you can out of your benefit, so you can take one step closer toward the comfortable and enjoyable retirement you’ve been working so hard for!

We have put together an informative brochure that helps answer the following questions:

What is your Social Security benefit amount?
What are the Social Security benefit filing options to help achieve your maximum lifetime income?
Are there different options if you are married?
Does earning additional income while you are on Social Security impact the value of your benefit?
Do you pay tax on your benefit?

¹https://www.ssa.gov/planners/retire/1943-delay.html

Brad Cooper

President | Founder

I’ll never forget the day I learned about money. I was a Police Officer, and a friend introduced me to what I now call: “Commonsense Money Principles.” You’d think I’d have been excited learning about how to manage money, but I wasn’t – I was angry.

I had all these questions flying around in my mind like:

“Why didn’t I learn this in school?”

“Shouldn’t our education system care about teaching financial principles?”

I came from a modest background, where people worked hard, and you married your high school sweetheart. I couldn’t stop thinking, “Someone needs to teach the average American how simple financial planning can be.” Turns out, God was calling ME to be that “someone.” So, I shifted careers and vowed to educate people on how simple financial planning can change their life.

For the first part of my career, the company I worked for was more focused on managing money than on education, so I kept feeling like I was not living up to part of my vow. That changed in 2006, when my brother Bruce died suddenly of a heart attack at age… 49. He was newly married and had diligently saved all his life so he could retire at 60 to “enjoy his life.” In my grief I thought, “Bruce sacrificed to reach his retirement goals; he planned and planned and planned— but he never actually lived his life.” I wondered, “What was the use of all that planning if he never enjoyed the fruits of his labor?” This realization weighed heavy on me. I immediately thought, “I want to teach people how to plan for the future while also living for today.” But to do that, I need to become a different kind of advisor. So, I started a full-service financial planning firm, centered on education. Soon after, I saw that no matter how much money people have, they are torn the way my brother was, between planning and living. But with the right guide and a bit of education it doesn’t have to be that way.That’s why for the past 16 years… I’ve created financial plans that not only provide my clients with guaranteed income for life…

But also, ample education… So, my clients will never again be so terrified of spending money that they never actually live their life. Nothing fulfills me more than seeing the relief and excitement on my clients’ face when they realize, “Wow, we really can have both.”

This is why I do what I do. And if we decide to work together, I’d love to show you how you can have both too.

Risk score | client login

FOR A BETTER
FINANCIAL FUTURE

Risk score | client login

Contact

Mesa, Arizona

Services

Disclosure

Risk score | client login

FOR A BETTER FINANCIAL FUTURE

Risk score | client login

Contact

Mesa, Arizona

Services

Disclosure

Laura Miller

Client Services

Kaylor Cox

Director of Marketing & Events

Beth Cox

Office Manager

Ryan Jackson

Financial Professional

Chris Cox

Managing Director

Margaret Cooper Roberts

Administrative Assistant

Lindsay Smith

Senior Account Manager

Grace Cooper

Administrator of Client Services

Shelly Cooper

Hospitality Coordinator

Jose Rodriguez Osuna

Investment Advisor

Brad Cooper

President | Founder

FOR A BETTER
FINANCIAL FUTURE