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Understanding Full Retirement Age…and What it Means to Your Monthly Benefit

One of the key factors that needs to be given full consideration in retirement planning is one’s full retirement age (FRA). While it’s generally known that filing before one’s FRA will give you reduced benefits potentially for a greater number of years, what really needs to be understood is exactly what the discount rate is, and it’s also important to have a realization that it’s not always possible to project the length of your retirement life. Further, it’s essential to have an understanding of what waiting until after your FRA to file can mean, and to know how long that decision can be deferred. Kiplinger’s 

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