Retirement is our specialty. Without professional guidance there are typically thousands of dollars left on the table. You might just as well be using these dollars instead of Uncle Sam or your prior employer. As just one example, according to a recent study done by JPMorgan the difference in inflation adjusted lifetime Social Security income for individuals taking benefits too early can be as much as $181,000. It takes a plan and it takes proper coordination to make sure all of your retirement pieces fit snugly together.