Combined Retirement Planning Wizard
Get a comprehensive analysis of your Massachusetts pension and Social Security benefits with personalized optimization recommendations.
Step-by-Step Guidance
Guided workflow through pension details, Social Security benefits, and optimization preferences with built-in validation.
Advanced Optimization
AI-powered analysis of optimal claiming strategies, break-even points, and lifetime benefit maximization.
Tax Optimization
Federal and Massachusetts tax calculations with strategies to minimize your retirement tax burden.
What's Included in Your Analysis
Comprehensive retirement planning with advanced features
Core Analysis
- Massachusetts pension benefit calculations
- Social Security optimization (ages 62-70)
- Combined income projections
- Inflation adjustments (COLA)
- Medicare premium impact
- Break-even analysis
Advanced Features
- Spousal benefits optimization
- Tax-efficient withdrawal strategies
- Federal and state tax calculations
- Monte Carlo risk analysis
- Multiple scenario comparisons
- Comprehensive PDF reports
7-Step Process (~10 minutes)
Complete analysis with save and resume functionality
Personal Info
Age, retirement timeline, filing status
Pension Details
Service years, salary, retirement group
Social Security
Benefits from SSA.gov statement
Income & Assets
Additional retirement income sources
Preferences
Goals, risk tolerance, analysis options
Optimization
AI-powered strategy analysis
Review & Save
Final results and save to dashboard
Why Use the Combined Wizard?
Maximize Income
Our optimization engine can increase your retirement income by 5-15% through strategic claiming decisions.
Minimize Taxes
Advanced tax calculations help you keep more of your retirement income through efficient withdrawal strategies.
Peace of Mind
Comprehensive analysis with multiple scenarios gives you confidence in your retirement planning decisions.
"The Combined Wizard helped me discover I could increase my retirement income by $847/month by adjusting my Social Security claiming strategy. The tax optimization alone will save me thousands per year!"— Sarah M., Massachusetts Teacher (Group 2 Retirement)