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When to Take Benefits…the Neverending Question

The AMAC Foundation’s Social Security Advisory Service, a free-to-the-public program with a staff of trained and accredited advisors–field about 500-600 requests for counseling each month. And the most frequent question received by the service goes something like this, “I’m 62 in a few months…should I file for benefits or wait? And, like our response to any of the questions we receive, the answer always is, “It depends.” That may sound like a response destined to produce frustration, we quickly go over the many considerations that come into play to arrive at the best answer to this very simple question. As noted in an article posted on, “…there is no black-and-white answer.”

The article provides a synopsis of the early retirement option (age 62), the full retirement option, and the late retirement option (age 70), along with a discussion on determining the financial breakeven point associated with your decision. Check out the article here…

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