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Social Security can be a major piece of retirement income planning but deciding when to claim isn’t always straightforward.
You can begin benefits as early as age 62, wait until your full retirement age, or delay until age 70. Each choice can have a meaningful impact on the monthly benefit you receive for the rest of your life.
The right decision isn’t simply about maximizing a monthly check. Your other retirement income, taxes, employment plans, life expectancy, and marital status should all be part of the conversation.
If you’re approaching retirement and wondering how Social Security fits into your overall plan, please reach out to our team so we can help you evaluate your options.
