10/26/2026
Think you know exactly when you'll claim Social Security? Read this first.
I have this conversation more often than you'd think:
Someone comes in confident about when they'll claim. Twenty minutes later, we uncover three things they didn't know they didn't know. Like how part-time work affects benefits, how survivor benefits actually work, or that a portion of Social Security can be taxable.
Social Security can genuinely be complicated, and plenty of people piece together their understanding from fragments of information or what their friends did rather than taking in the full picture.
I put together an 8-page guide that walks through the four critical facts to review before you claim:
1️⃣ Timing drives the benefit. Claiming at 62 vs. 67 vs. 70 can mean meaningfully different lifetime dollars. (p.2)
2️⃣ Yes, you can work and collect. BUT if you claim before full retirement age and earn over the threshold, benefits can be temporarily reduced. After FRA, that restriction disappears. (p.3)
3️⃣ A portion of Social Security is often taxable at the federal level, depending on your total income picture. (p.6)
4️⃣ Married? Your spouse may be eligible on your record, and the survivor keeps the higher of the two benefits. That decision deserves a conversation all on its own. (p.6)
If you're within 5 years of retirement, this guide will help you avoid common (and costly) blind spots and make a more informed claiming decision.
Get the guide here: https://lp.constantcontactpages.com/sl/IAt2U7h/criticalsocialsecurityfxs
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