We walk through your full income picture and life expectancy assumptions to show how each option affects your lifetime benefit—and how it fits with the rest of your plan.

Spousal benefits, survivor benefits, and age differences can all play a role. We coordinate both timelines to help maximize income and support the long-term needs of your household.

If you claim before full retirement age, earnings may reduce your benefit temporarily. We’ll help you understand the earnings test and whether it makes sense to wait.

It’s one piece of your income plan. We look at how it interacts with your other accounts—so you can make timing decisions that support tax efficiency and long-term flexibility.

There’s no one-size-fits-all answer. We help you choose the timing that fits your goals, cash flow, and household needs—not just the math.