Retirement Planning

At Horner Insurance, LLC, we are here to help you achieve your retirement goals.

Building a Secure Retirement

Social Security benefits form the foundation of most retirement plans—but they’re just one part. To maintain your lifestyle in retirement, most people will need about 70% of their pre-retirement income. Social Security typically covers about 40%, so the rest should come from savings, investments, or pensions.

Estimating Your Benefits


Your benefits are based on your lifetime earnings. Years with low or no income can reduce your future payouts. When you claim also matters—starting at 62 means reduced monthly checks, while waiting beyond full retirement age increases your benefit.


Use the Social Security Retirement Estimator for a personalized look at your potential payments.

Special Considerations


Self-Employed? You must report earnings over $400 on IRS Schedule SE to qualify for benefits.


Government Employees? Your pension may reduce Social Security benefits through the Windfall Elimination Provision or Government Pension Offset.


Working Abroad? You may owe taxes in both countries unless a coverage agreement is in place. Visit the SSA’s International page for details.

Don't Forget Medicare

As you approach 65, it’s essential to plan for healthcare:


  • Part A (Hospital Insurance): Usually premium-free and starts automatically if you're receiving Social Security.
  • Part B (Medical Insurance): Optional, with monthly premiums.
  • Part D (Prescription Drug Coverage): Also optional, with financial assistance available for those who qualify.
  • If you're not receiving Social Security, be sure to sign up for Medicare as your 65th birthday approaches to avoid penalties.

Already Receiving Benefits?


If you’re on disability benefits, they’ll convert to retirement benefits at full retirement age. If you’re receiving survivors benefits and qualify for your own higher benefit, you may be able to switch at age 62 or later—but you’ll receive only the higher of the two.


Next Steps

Want help planning your retirement income strategy? Use the retirement calculators below, and let’s talk about how Social Security fits into the bigger picture of your financial future.

Retirement Calculators from the SSA

Social Security Quick Calculator

Get a rough estimate of your retirement benefits based on your date of birth and on your earnings history.

Retirement Age Calculator

Find out your full retirement age, when you become eligible for unreduced Social Security benefits. 

Retirement Earnings Test Calculator

Use this calculator to see the effect of your retirement earnings on retirement benefits.

Horner Investment Group is a DBA of Atlantis Wealth Advisors, LLC. Horner Insurance, LLC, and Horner Tax Services, LLC do not have any relationship with Atlantis Wealth Advisors, LLC.


Atlantis Wealth Advisors dba Horner Investment Group is a registered investment adviser located in Elkhart, IN. Horner Investment Group may only transact business in those states in which it is registered or qualifies for an exemption or exclusion from registration requirements. Horner Investment Group's web site is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of Horner Investment Group's web site on the Internet should not be construed by any consumer and/or prospective client as Horner Investment Group's solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Any subsequent, direct communication by Horner Investment Group with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of Horner Investment Group, please contact the state securities regulators for those states in which RIA Firm Name maintains a registration filing. A copy of Horner Investment Group's current written disclosure statement discussing Horner Investment Group's business operations, services, and fees is available at the SEC's investment adviser public information website - www.adviserinfo.sec.gov or from Horner Investment Group upon written request. Horner Investment Group does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to Horner Investment Group's web site or incorporated herein and takes no responsibility therefor. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly. This website and information are provided for guidance and information purposes only. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy. This website and information are not intended to provide investment, tax, or legal advice.