When Should I Take Social Security?

Social Security is a major element of everyone’s retirement plan.  (I don’t care if you have eighty million bucks or eighty bucks. Everyone seems to have questions about Social Security.)  If it’s not a major part of your plan, it really should be. Do you know how much you’re going to get each month? Do you know when you’re going to start getting it? Did you know that you can’t get a paper check in the mail from Social Security anymore? Welcome to the digital age huh?  What ever happened to the physical “paycheck” anyway? I haven’t gotten an actual paper paycheck since probably 2002.  Ok back to Social Security.

If you don’t have a Social Security plan in place you’re missing the boat. And it might be a really nice boat you’re missing. By having a strategy, plan, roadmap, or whatever else you want to call it, you can ensure that you get the most from your Social Security benefits. After all, you probably worked a very long time, right?  EACH AND EVERY TIME you were paid you were also taxed for you SS benefit. Remember FICA? Yeah, me too. If you can rattle off what FICA stands for I’d be seriously impressed.

Ok here’s the deal:  How do you get the most money out of Social Security?  Let’s take a look.

1)       Are you married? (If so, you’ve got options.)

2)       Are you widowed? (If so, you’ve got options.)

3)       Are you divorced? (If so, you may have options.)

4)       Are you single? (If so, you’ve got options.)

5)       Are you alive? (If you’re reading this, the answer is most likely yes.)

Sounds pretty simple right? Well… sort of. It used to be pretty straightforward, but those days are over. Just show up to the SS office and file. Right?  Well it’s not that easy anymore.  Don’t get me wrong, you can still just show up and file when you turn 62, but it’s probably not the best idea. It’s sort of like showing up at the movie theatre with no idea which movie you want to see or what time you want to see it.

With all that said, let me give you a few ideas to consider:

A)      Do you want the most money possibly out of Social Security?

B)       Do you like money?

C)       Do you own a pair of shoes?

D)      Are you willing to spend a quick 20-30 minutes with me to take a closer look at your specific situation?

If you said yes to any of these questions please call/email/Facebook/website me. Just don’t fax me.  I can answer all your questions and develop a custom plan just for you.  You will leave with a literal printout you can take to the SS office.  And, it’s easy to understand!  I would like an opportunity to earn your trust and your business. I know Social Security inside and out. An initial consultation won’t cost you anything other than 20-30 worthwhile minutes.  Plus I have free coffee. Here is my contact info.  Thanks for reading!

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