What it is
Deciding when and how to take Social Security and pension benefits.
How it works
The advisor looks at your age, health, spouse’s benefits, and other income.
They compare claiming at 62, full retirement age, or 70.
If you have a pension, they walk you through choices: lump sum vs. monthly payment, survivor benefits, etc.
They put it into a simple “This option likely pays you the most/works best long term” view.
Simple Example
You and your spouse are both 62.
The advisor might say:
You (higher earner) wait until 67 or 70 to claim Social Security, so your benefit is larger.
Your spouse claims earlier at 62–64 to bring in some income now.
They show how this combo can mean more total income over your lifetimes.Let’s make it simple
Important Disclosure: Descriptions of services on this page are general in nature and are provided for informational and educational purposes only. Actual services are provided solely by independent third-party advisors who participate in the Retirement Readiness Quiz (RRQ) program. RRQ is not a registered investment adviser, broker-dealer, tax professional, or law firm, and does not supervise, control, or guarantee the advice or services of any advisor. Nothing here should be considered personalized investment, tax, or legal advice, or a guarantee of future results. Before implementing any strategy, you should review the advisor’s regulatory filings (such as Form ADV), written disclosures, and engagement agreements, and consult with your own qualified professionals as needed.
