Episode 4: When Should You Start Social Security?

62, 67, or 70? The question of when to start Social Security is one of the most consequential decisions in retirement — and one of the most misunderstood. Getting it wrong by even a few years can mean leaving six figures on the table.

In this episode, I break down how the timing decision actually works, what variables matter most, and the framework I use to help clients think through it.

In this episode:

▸ How delayed claiming increases your monthly benefit

▸ The break-even analysis — and why it's only part of the picture

▸ How your health, income needs, and spouse affect the decision

▸ The most common Social Security timing mistakes

Episode 4 of the Retirement Transition Series — 12 short episodes for people who are 5–10 years from retirement.

▶ Next: Episode 5 — How Retirement Income Is Taxed

▶ Watch Episode 3 → The Retirement Withdrawal Strategy Most People Get Wrong

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