Smarter retirement.
Stronger benefits.
We help individuals and business owners make confident decisions around Social Security timing, retirement income strategy, and tax-advantaged benefits—so your plan works when it matters most.
What you’ll get
A clear plan, a simple next step, and an advisor who explains the “why” in plain English.
Services
Choose the area you want to improve, or start with a short discovery call.
Social Security (RSSA®)
Advanced claiming strategy using RSSA® analysis—spousal, survivor, age gaps, children’s benefits, and pension coordination.
Retirement Income & Pensions
Coordinate pensions, investments, taxes, and inflation into one income strategy designed for long-term clarity and confidence.
Guaranteed Income & Life Insurance
Use guaranteed income to make investments more truly liquid. Strategic life insurance planning for retirement efficiency and family protection.
Employer Benefits & Payroll Tax Strategy
Tax-smart benefit design that can reduce payroll taxes and lower overall health plan costs while improving employee experience.
Who we help
Individuals, families, and business leaders who want clear, confident financial decisions.
Individuals & families
Pre-retirees and retirees looking for a coordinated plan: Social Security, income, taxes, and peace of mind.
- When should I claim Social Security (62/67/70)?
- How do I create reliable income without overpaying taxes?
- How do I reduce risk in the first 5–10 years of retirement?
Business owners & HR leaders
Companies wanting a practical, compliant benefit strategy that employees understand and actually use.
- Reduce payroll taxes with tax-advantaged benefit design
- Increase participation with clear employee education
- Implementation support and ongoing stewardship
Simple process
Clear next steps—from first call to action plan.
Discovery
15–20 minutes to understand goals, concerns, and what you’ve already done.
Analysis
We model options and highlight the tradeoffs—no jargon, no guesswork.
Action plan
You get a one-page summary, next steps, and ongoing review options.
About
Experience that turns complex rules into clear decisions.
Matthew J. Welt, RSSA®
I’m the founder of Flatirons Retirement & Benefit Strategies, LLC. My mission is to help individuals and business owners make smarter financial decisions—especially around retirement, pensions, Social Security, taxes, and inflation.
I’m a Registered Social Security Analyst (RSSA) with deep expertise in pensions, COLAs, and the tax implications of retirement—state by state. I focus on turning complex rules into clear, actionable strategies.
I consult with CEOs, CFOs, CHROs, and business owners to design cost-efficient, tax-smart benefit programs that deliver more value for every dollar spent—without sacrificing coverage or employee satisfaction.
Learn more about the RSSA designation: Kiplinger overview
• My RSSA profile: rssa.com
Frequently asked
Do you offer a free first call?
Do you work with businesses?
How do we get started?
Contact
Schedule directly on my calendar or send a message and I’ll get back to you.
Request a call
Direct
Cell: 952-452-6137
Office: 720-678-9286
Fax: 720-678-9287
Email: mwelt@mjwconsultingllc.com