Short Answer

Social Security benefits may be taxable depending on your combined income. Up to 85% of benefits can be subject to federal tax, though California does not tax Social Security income.

What Determines Social Security Taxation

Your combined income includes:

• Adjusted gross income

• Tax-exempt interest

• 50% of Social Security benefits

Federal Tax Thresholds

• Single filers: taxation begins above $25,000

• Married filing jointly: taxation begins above $32,000

Why Tax Planning Matters Before You Claim

Withdrawals from IRAs, Roth strategy timing, and investment income can all increase Social Security taxation if not coordinated.

Sentient Financial’s Approach

We integrate Social Security timing into broader retirement and tax planning—helping clients keep more of what they’ve earned.

Disclosure: Tax rules are subject to change. This content is educational only.