Social Security Timing

As retirement planning specialists, we help you determine the optimal time to collect Social Security and coordinate benefits between spouses.

We consistently see individuals miss opportunities relating to Social Security strategy because there are so many factors to consider. We craft a timing strategy based on a multitude of considerations including:

  • Breakeven analysis between drawing early or deferring
  • Marital status (important in the consideration of maximizing survivor benefits)
  • Age-gap between spouses
  • Health concerns
  • Working past age-62
  • Taxation of Social Security
  • Financial capacity to defer

Most importantly, we provide Social Security timing advice in the broader context of your retirement plan.

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