Joy Cheney, NSSA® & IRMAACP™ Advisor · Stoughton, MA
Joy Cheney
President, Almost 65 Benefits Advisors
www.almost65benefitsadvisors.com
Professional Profile
Joy Cheney is the founder of Almost 65 Benefits Advisors and a National Social Security Advisor (NSSA®) who helps individuals and couples navigate the important benefits decisions that arise as they approach age 65 and retirement.
Joy Cheney holds both the NSSA® designation in Social Security planning and the IRMAA Certified Planner designation, reflecting advanced training in retirement income and Medicare cost planning.
Through personalized education and guidance, Joy helps clients understand how Social Security, Medicare, employer coverage, IRMAA, and retirement income decisions connect. Her goal is to simplify complex information, identify important deadlines and potential gaps, and create a clear path forward based on each client’s unique circumstances.
Joy is also an IRMAA Certified Planner and an independent insurance broker licensed in multiple states. She works collaboratively with clients’ financial advisors, CPAs, and other professionals to help ensure their benefits decisions support their broader plans.
Known for her warm, patient, and educational approach, Joy is committed to helping clients replace confusion and uncertainty with clarity, confidence, and a personalized plan for the decisions ahead.
Disclosure
Joy Cheney provides fee-based educational and benefits-planning services through J King Insurance Agency, Inc., d/b/a Almost 65 Benefits Advisors. All service fees are disclosed and agreed upon before work begins. Joy is also a licensed independent insurance broker. If a client chooses to purchase an insurance product through her agency, the agency may receive compensation from the insurance carrier. The purchase of an insurance product is not required to use her fee-based services. Services are educational and informational and do not constitute investment, tax, or legal advice. Almost 65 Benefits Advisors is not affiliated with or endorsed by the Social Security Administration, Medicare, or any other government agency.
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