Built for households with $2M–$50M in assets.
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⏰ Act within 90 days

The Social Security claiming decision affects lifetime benefits more than almost any other retirement choice — and most people make it without analysis.

Claiming at 62 vs waiting until 70 is not a simple calculation. Spousal coordination, survivor benefits, taxation of benefits, and interaction with Medicare and RMDs all affect break-even claiming ages. At the $2M–$50M level, this is a strategy decision, not a default.

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What changes at the $2M–$50M level

Delayed retirement credits increase your benefit for each year you wait after full retirement age, up to age 70
Spousal benefits are up to 50% of the higher earner's benefit — claiming strategy affects both spouses
Survivor benefits are based on the higher earner's benefit at death — delaying maximizes the survivor's income
Social Security benefits may be taxable — up to 85% is included in income above certain thresholds
Claiming before full retirement age while still working triggers earnings-based benefit reductions

Your action plan

Ordered by urgency. Items marked "Immediate" should be addressed within 60–90 days.

⚡ Immediate priority
1
Model Social Security claiming scenarios for your householdImmediateWithin 30 days

Compare lifetime cumulative benefits across claiming ages 62–70. Include spousal coordination and survivor benefit scenarios.

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2
Coordinate claiming strategy between spousesImmediateWithin 60 days

For many couples, both spouses claiming at the same age is uncommon. Model the combined household outcome with your advisor.

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⏰ Within 90 days
3
Model the interaction with RMDs and Medicare IRMAAWithin 90 daysWithin 60 days

Social Security income combined with RMDs can push you above IRMAA thresholds. Model the combined income picture.

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4
Understand the earnings test if claiming before full retirement ageWithin 90 daysWithin 30 days

If you claim before FRA and continue working, your benefit may be temporarily reduced. Understand the rules before claiming early.

📋 Within 6 months
5
Review your my.ssa.gov statement for accuracyWithin 6 months

Your Social Security benefit is based on your earnings record. Errors in that record reduce your benefit. Review and dispute any inaccuracies.

5-Question Assessment

How prepared are you for ss timing?

Answer 5 questions and get a personalized readiness score with specific gaps identified.

1. Have you modeled Social Security claiming scenarios across different ages?
2. If married, have you coordinated Social Security claiming strategy with your spouse?
3. Have you modeled how Social Security income interacts with RMDs and IRMAA?
+ 2 more questions
Take the ss timing assessment →

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Related situations

Approaching Retirement →RMD Start Age →Medicare at 65 →