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Financial Benefits Inc.2026-05-26T18:00:48+00:00

Build your holistic financial plans With

Financial Benefits Inc.

About

Financial Benefits Inc.

At Financial Benefits Inc., we are a dedicated team of financial and insurance professionals united by a single mission: to educate, enrich, and empower every client and prospect we serve.

Founded on the vision of creating comprehensive, holistic financial plans, our firm is committed to acting in the best interest of each client. We take pride in delivering personalized strategies that reflect your unique goals, values, and circumstances, ensuring you feel seen, heard, and valued.

Our approach is rooted in integrity, empathy, and expertise. By tailoring every plan to your specific needs, we help you build financial confidence and long term security.

Our Process

The Six Pillars of Your Financial Future

Six Fundamental Financial Planning Considerations

Six key financial planning considerations can impact your financial goals now and in the future. The question is not if these will affect your finances, but to what degree. We evaluate your sentiment toward each consideration and quantify the potential effects on your assets over time. This allows us to build customized strategies to help you achieve your financial objectives for retirement.

Longevity

Outliving financial assets as the result of a longer life.

Inflation

Reduction in real purchasing power as the result of increasing cost of living.

Mortality

Loss of financial assets as the result of a partner’s or spouse’s death.

Liquidity

Limited access to assets to meet life’s unexpected financial needs.

Market

Unexpected reduction in the value of financial assets at the time of withdrawal.

Taxes

Decreasing income and assets and/or the impairment of legacy assets from increasing taxes.

Empowering Your Retirement

Meet The Team

Dr. Tony Hodge, LUTCF

Founder

Bri’Ann Merit

Business Manager and VP of Operations

Learn More About

Our Financial Solutions

Our three-step planning process works to help identify and implement suitable financial strategies for helping our clients meet their needs and achieve their goals and objectives for retirement.

Click on a step below to learn more.

01

Start Smart

02

Apply Discipline

03

Communicate Progress

Disability Insurance

Explore options to protect your income in the event of an illness or injury that prevents your ability to work.

Retirement Savings Optimization

Retirement savings optimization involves a holistic strategy that balances aggressive saving during your working years with smart, tax-efficient withdrawal strategies in retirement.

Key steps include maximizing tax-advantaged accounts, diversifying investments, and strategically managing Social Security benefits.

Tax Planning

Benjamin Franklin said, “In this world nothing can be said to be certain, except death and taxes” – We can’t control the first, but we can help you reduce the second.

Our clients enjoy a comprehensive review of their tax return, tax projections combined with proactive planning, tax reduction strategies, etc.

Social Security Optimization

Social Security optimization is about strategically timing when you claim benefits and coordinating with other income to maximize your lifetime payments.

Don’t leave money on the table. The decision of when to claim Social Security is complex and can significantly impact your retirement income. Common advice often oversimplifies this crucial choice.

Income Planning

Through our retirement planning process, we will review your current income situation and show you your potential income in retirement. We’ll work with you to create a sustainable income that will last for your life. We’ll help you understand your social security options and maximize the benefits for your situation.

If you have a pension, we will guide you through the options available and help you make the right choice. We’ll help prepare you for other considerations such as a premature death of a spouse, inflation or taxation.

Legacy and Estate Planning

Protect your estate and loved ones from unnecessary taxation and probate with proactive estate planning strategies.

Liquidity Needs Planning

Ensure access to assets to meet life’s unexpected needs.

Tax-Free Retirement Income Planning

Support your retirement income plan with accumulation and tax-free distribution strategies in retirement.

Medicare Planning

Develop solutions for healthcare expenses not covered by Medicare, a federal health insurance program.

View All Our Services ⤍

Register For

Our Educational Events

We know the importance of education and accessibility in today’s world. That’s why Financial Benefits Inc. isn’t about high-pressure seminars—we provide knowledge through digital education platforms. We believe an informed client is an empowered client, and we focus on educating, not selling. Stay up to date with our latest insights! Subscribe to the Financial Benefits Inc. newsletter.

UPCOMING EVENTS

Events in May 2026

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    Our Guides and Blog

    Financial Educational Literature

    Optimizing Social Security in Today’s World

    The Social Security Guide
    Optimizing Social Security In Today’s World

    Claiming Social Security at the wrong time could cost you tens of thousands over your retirement—and you may not even realize it. This guide shows how the right strategy can unlock more income, more security, and greater confidence in your financial future. Make sure you get what you’ve earned!

    GET THE GUIDE

    Browse Our Blog

    Click Here To Browse All Our Blogs ⤍

    Our Financial Calculators

    CalcXML Financial Calculators

    PLEASE NOTE: The information being provided is strictly as a courtesy. We make no representation as to the completeness or accuracy of information provided via these calculators. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, information and programs made available through the use of these calculators.

    Contact Financial Benefits Inc.

    At Financial Benefits Inc. , we believe strong financial planning is built on relationships. We take the time to understand your goals, concerns, and family dynamics—because financial planning isn’t just about numbers, it’s about life. Our team is committed to providing consistent, personalized guidance, ensuring you have a dedicated advisor who understands your long-term financial journey.

    Office Location:

    2400 Herodian Way SE,
    Suite 175,
    Smyrna, Georgia 30080

    Our Email:

    thodge@fbenefitsinc.com

    Our Phone:

    (470) 446-2667

    Our Fax:

    (678) 922-7568

    Schedule Your Complimentary Retirement Review

    At Financial Benefits Inc. , we don’t just manage money.
    We empower your retirement.

    OUR E-NEWSLETTER



      ©  Powered by: Simplicity

      OUR LOCATION

      2400 Herodian Way SE,
      Suite 175,
      Smyrna, Georgia 30080

      Privacy Policy | Terms of Use | Disclosure | ADV 2A and Form CRS

      Securities offered through Simplicity Investments, Member FINRA/SIPC, 475 Springfield Ave, Summit, NJ 07901 (303) 797-9080. (DBA name) is not affiliated with Simplicity Investments.

      VaR

      Value at Risk Analysis

      Risk tolerance is an investor’s ability to remain invested during downward market cycles in exchange for a potential return.

      Within the initial review, we help you understand your risk threshold. We do this by deploying a Value at Risk (VaR) Analysis that helps us quantify attitudes toward financial uncertainty, specifically one’s emotional tolerance with respect to the magnitude and speed of potential investment loss.

      This analysis produces a VaR Score that is indexed on a scale from conservative to aggressive. The VaR Score can help us determine if the current portfolio aligns with your risk tolerance and provides insight as to whether changes to that portfolio are needed.

      Value at Risk Analysis

      03

      Communicate Progress

      Our Commitment to You

      Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive outreach, and accessibility to our team throughout our working relationship.

      Schedule Your Complimentary Review







        02

        Apply Discipline

        A Retirement Strategy Designed for You

        Next, we design a retirement strategy that actively works to help optimize your wealth and protect your finances, keeping your goals and objectives at the forefront of our planning process.

        Our Services, Your Future

        We take the time to thoroughly explore your needs no matter the stage of life you are in to help provide a custom tailored solution that we continue to monitor and adjust until the end of time.

        Increase you or your loved one’s future retirement income with a tax-efficient, capital leveraging strategy.

        Ease the financial and emotional toll of long-term care with early planning so you can retire with peace of mind and dignity.

        Establish tax planning strategies today for greater tax efficiency and financial flexibility later in retirement.

        Support your retirement income plan with accumulation and tax-free distribution strategies in retirement.

        Understand the benefits you are entitled to and how to maximize Social Security income in retirement.

        Develop solutions for healthcare expenses not covered by Medicare, a federal health insurance program.

        Design an income plan that delivers dependable income and financial security throughout your retirement.

        Develop strategies to protect assets against the effects of inflation.

        Ensure access to assets to meet life’s unexpected  needs.

        Explore options to protect your income in the event of an illness or injury that prevents your ability to work.

        Protect your estate and loved ones from unnecessary taxation and probate with proactive estate planning strategies.

        01

        Start Smart

        Get a Clear Understanding of Your Financial Life

        First, we gain a thorough understanding of your current financial situation, goals, objectives, risk tolerance, and the key considerations that should be addressed in your retirement strategy.

        Six Fundamental Financial Planning Considerations

        Six key financial planning considerations can impact your financial goals now and in the future. The question is not if these will affect your finances, but to what degree. We evaluate your sentiment toward each consideration and quantify the potential effects on your assets over time. This allows us to build customized strategies to help you achieve your financial objectives for retirement.

        Liquidity

        Longevity

        Outliving financial assets as the result of a longer life.

        Liquidity

        Liquidity

        Limited access to assets to meet life’s unexpected financial needs.

        Inflation

        Inflation

        Reduction in real purchasing power as the result of increasing cost of living.

        Market

        Market

        Unexpected reduction in the value of financial assets at the time of withdrawal.

        Mortality

        Mortality

        Loss of financial assets as the result of a partner’s or spouse’s death.

        Taxes

        Taxes

        Decreasing income and assets and/or the impairment of legacy assets from increasing taxes.

        Receive our eNewsletter



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