Jason Smith, CFP

Financial Advisor & Certified Financial Planner

Reviewing retirement and financial calculators for accuracy

Role at Random Tools

Jason Smith is a Certified Financial Planner (CFP) and Financial Advisor who reviews the retirement and Social Security calculators on Random Tools for financial accuracy, regulatory compliance, and sound planning principles.

Every retirement calculator on this site that involves Social Security benefit calculations, retirement age rules, or claiming strategies is reviewed and verified by Jason against current Social Security Administration (SSA) guidelines and CFP Board standards before publication.

Expertise & Credentials

Jason holds the Certified Financial Planner (CFP) designation — the highest standard of competence and ethics for financial planning professionals. His areas of specialized expertise include:

  • Social Security optimization — full retirement age, claiming strategies, spousal and survivor benefits, earnings test rules
  • Retirement income planning — sequencing withdrawals across Social Security, 401(k), IRA, and pension income
  • Medicare integration — coordinating Medicare Parts A, B, C, and D with retirement benefit timing
  • Early and delayed retirement analysis — break-even calculations, longevity risk, and optimal claiming age
  • Required Minimum Distributions (RMDs) — RMD rules for traditional IRAs, 401(k)s, inherited accounts

What Jason Reviews

On Random Tools, Jason's review scope covers calculators in the retirement and financial planning category:

Retirement Age Calculator

Social Security Full Retirement Age (FRA) by birth year, early retirement reduction percentages, and delayed retirement credit calculations — all verified against current SSA schedules.

As the calculator library expands into personal finance tools, Jason will review additional calculators in the retirement, savings, and investment categories.

Accuracy Standards

Jason's review process for each retirement calculator includes:

  • SSA schedule verification — FRA birth-year ranges and monthly increments cross-checked against official SSA publications
  • Benefit reduction formulas — early retirement reduction (5/9% per month for first 36 months, 5/12% per additional month) verified against the published formula
  • Delayed retirement credits — 8% per year accrual rate and age-70 credit cap confirmed
  • Current-year benefit limits — maximum benefit amounts and earnings test thresholds verified annually
  • Regulatory updates — SECURE Act changes, COLA adjustments, and other legislative updates incorporated when they affect calculator results

Disclaimer

The calculators reviewed by Jason Smith are for educational and informational purposes only. They do not constitute personalized financial, tax, or legal advice. Social Security rules are complex and individual situations vary. Consult a qualified financial planner or the SSA directly for advice specific to your situation.

Last updated: February 2026