SHEARWATER CAPITAL

For many physicians, Social Security will not be the primary source of retirement income but making the right choices about when and how to claim benefits can still have a meaningful impact on your financial health. The rules can be complex, particularly for high-earning professionals with spouses who may have lower earnings, significant age differences, or prior marriages. Family circumstances, such as caring for minor children, can also have an impact.

​

We help physicians navigate these nuances and coordinate Social Security benefits with the rest of their retirement plan. The goal is to maximize lifetime benefits while ensuring your broader financial strategy remains aligned with your long-term goals.