@guerra.wealth: When you’re planning for retirement, when should you claim Social Security, at 62, full retirement age, or 70? There isn’t one age that works for everyone. Claiming earlier may give you access to income sooner, but it can permanently reduce your monthly benefit. Waiting may increase your benefit, but whether that makes sense depends on your income needs, longevity expectations, spouse, taxes, and overall retirement strategy. The question isn’t simply, “When can I claim Social Security?” It’s, “When does Social Security make the most sense within my retirement plan?” This content is for informational and educational purposes only and should not be considered personalized financial advice. Always consult with a qualified fiduciary advisor before making any financial decisions.

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