As a CPA or tax professional, your clients trust you with some of the most important decisions of their lives. They rely on you to help them save money, stay compliant, and plan for a secure future.

But when it comes to Social Security, Medicare, IRMAA, and Marketplace health insurance, the rules get complex fast. These aren’t just tax issues—they’re life issues that can directly affect your clients’ bottom line.

The Problem

Your clients are making retirement income and healthcare coverage decisions without fully understanding the consequences. And when something goes wrong—like an unexpected Medicare surcharge or loss of a Marketplace subsidy—they often come back to you with frustration and questions.

The Villain

Confusing rules, fast-changing regulations, and misinformation from call centers or online forums leave your clients vulnerable to costly mistakes. Without a trusted guide in these areas, your clients’ financial plans can unravel.

The Guide

At Mere Benefits, we partner with CPAs, accountants, and advisors to protect clients from these pitfalls. We don’t replace your services—we strengthen them.
We bring specialized expertise in:

• Social Security optimization (including SETARA strategies)

• Medicare timing and plan selection

• IRMAA planning to avoid unnecessary surcharges

• Marketplace subsidies and Affordable Care Act rules

• Health insurance for self-employed clients

• Life and supplemental coverage for risk protection

The Plan

1. Quick Discovery Call – We talk directly with your client to determine if our Social Security optimization service is a good fit for their situation.

2. Custom Proposal – If they’re a fit, we provide a quote for the full analysis.

3. Collaborative Results – Once complete, we share the findings with both the client and you, so you can help them implement the strategy effectively.

The Payoff

When you partner with Mere Benefits:

• Your clients get clarity and confidence in their retirement planning

• You save time by letting us handle the complex, non-tax-side analysis

• You enhance your reputation as a trusted, well-connected advisor

• You strengthen long-term client relationships by protecting them from costly mistakes

What Happens If You Don’t?

• Clients may miss out on thousands in lifetime Social Security benefits

• They could trigger higher Medicare premiums without realizing it

• They may turn to other sources for help—putting your relationship at risk

Let’s Make You the Hero

We believe in collaboration over competition. Our goal is to make your work easier and your clients more successful.

📞 Call us at 904-654-5450 or visit www.merebenefits.com to learn how we can partner to deliver high-value retirement income strategies for your clients.