Mavilian Financial Group
Retirement Planning Tool

Social Security
Claiming Calculator

Compare the impact of claiming at different ages, coordinate spousal benefits, and understand how Social Security interacts with your taxes.

For educational purposes only. Social Security claiming decisions depend on your health, financial needs, marital status, employment plans, other income sources, and many individual factors not captured here. This tool provides simplified estimates based on current Social Security Administration rules and does not constitute financial, tax, legal, or investment advice. Benefit estimates may differ from your actual Social Security statement. Consult with a qualified financial planner, CPA, or tax professional regarding your specific situation.
Educational tool only — not personalized financial, tax, or insurance advice. Advisory services provided by Bayworth Capital, a registered investment adviser (CRD #284360). Full disclosures below.

Household

Your Social Security

Used to determine your Full Retirement Age
$
From your Social Security statement (ssa.gov)

Other Retirement Income (for tax analysis)

$
Pensions, IRA/401k withdrawals, part-time work, rental income
$
Municipal bond interest (counts toward provisional income)

Assumptions

%
Cost-of-living adjustment (%)
For lifetime benefit comparison
Average life expectancy for a 65-year-old: ~84 (men), ~87 (women). Family health history and personal health are important factors. These are rough estimates — your actual longevity is uncertain.

Important Disclosures

Firm Information: Investment advisory services are offered through Bayworth Capital (CRD #284360), a Registered Investment Adviser. Registration does not imply a certain level of skill or training. Avo Mavilian (CRD #6263067) is an Investment Adviser Representative of Bayworth Capital. Mavilian Financial Group is a dba of Tailwind Financial Strategies, LLC, a licensed insurance agency and tax advisory firm owned by Avo Mavilian. Mavilian Financial Group is not a registered investment adviser. Mavilian Financial Group and Bayworth Capital are independent companies.

Conflicts of Interest — Insurance & Tax: Mr. Mavilian is separately licensed as an independent insurance agent and, in that capacity, may effect transactions in insurance products and earn commissions. Advisory fees paid to Bayworth Capital are separate and distinct from commissions earned on insurance products. This presents a conflict of interest because Mr. Mavilian may have an incentive to recommend insurance products for the purpose of generating commissions rather than solely based on your needs. You are under no obligation, contractually or otherwise, to purchase insurance products through Mr. Mavilian or any affiliated person. Mr. Mavilian is also a federally authorized tax practitioner (Enrolled Agent) admitted to practice before the Internal Revenue Service; tax services are provided through Tailwind Financial Strategies, LLC dba Mavilian Financial Group and are separate from advisory services provided by Bayworth Capital.

Educational Tool Only: This calculator is for educational and illustrative purposes only. Results are hypothetical, based on the assumptions you entered, and are not predictions of actual outcomes. Past performance and illustrated outcomes do not guarantee future results. Individual circumstances vary — consult a qualified financial, tax, legal, or insurance professional before making decisions.

Form ADV: For more information about Bayworth Capital's advisory services, fees, and potential conflicts of interest, please review our Form ADV Part 2A brochure, available at adviserinfo.sec.gov or upon request by contacting compliance@bayworthcapital.com.

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