@laryssafreeman: If you’re 62 and thinking about claiming Social Security, there are 3 things worth doing before you file. First, compare what you’re giving up by claiming early. Starting at 62 can mean a significantly lower monthly benefit than waiting until full retirement age. Second, if you’re married, look at the decision as a household—not just an individual choice. The timing of the higher earner’s benefit can also affect a surviving spouse. Third, build an income bridge. Cash, brokerage assets, or controlled IRA withdrawals may help cover expenses while you delay Social Security. If you’re still working, you’ll also want to consider the earnings test. Have questions book a free call using this url or click in my bio - https://meritagewm.typeform.com/consultation Meritage Wealth Management (MWM) is a Registered Investment Adviser in the state of California and in other jurisdictions where exempted. Registration does not imply a certain level of skill or training. The information presented on this post is believed to be factual and up-to-date, but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. A professional adviser should be consulted before implementing any of the strategies discussed. Investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for a client's portfolio. All investment strategies can result in profit or loss. This platform is solely for informational purposes and is not offering advisory services or sales of securities. “Likes” should not be considered a positive reflection of the investment advisory services offered by Meritage Wealth Management. Comments by viewers and/or recognitions are no guarantee of future investment outcomes and do not ensure that a viewer will experience a higher level of performance or results. Public comments posted on this site are not selected, amended, deleted, or sorted in any way. If applicable, we may edit or delete personally identifiable information, scam/fraud messages, and misinformation. #CFP #Financialplanner #retirement #retirementincome #IRS

Laryssa Freeman, CFP®

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Tuesday 29 September 2026 22:01:03 GMT