The Truth About Social Security: When Should You Really Claim? скачать в хорошем качестве

The Truth About Social Security: When Should You Really Claim?

Most people think they understand Social Security. “Wait until 70.” “Claim early before it runs out.” “If you don’t delay, you’re leaving money on the table.” But Social Security isn’t just a math problem, it’s a coordination decision involving taxes, portfolio withdrawals, longevity, spousal benefits, survivor planning, and market risk. In this video, CERTIFIED FINANCIAL PLANNER® professional Phillip from Flying Forward Wealth Management breaks down how to think about Social Security like a planner, not like the internet. You’ll learn: • How Social Security is actually funded • Why break-even charts often mislead retirees • How claiming age affects taxes and portfolio withdrawals • When claiming early may protect your retirement plan • How Social Security reduces sequence of returns risk • The role of psychology in retirement income decisions • How spousal and survivor benefits change the equation • Why there is no universally “correct” claiming age When coordinated intentionally, Social Security becomes one of the most reliable, inflation-adjusted income sources in retirement. When coordinated poorly, it can quietly cost you tens, or even hundreds of thousands of dollars. The right decision depends on your health, your spouse, your portfolio, and your goals. Interested in working with Flying Forward Wealth Mgmt? → https://www.flyingforward.com Timestamps: 00:00 – Why Most Social Security Advice Is Oversimplified 00:49 – Who This Video Is For 01:12 – Why Break-Even Charts Are Incomplete 01:40 – How Social Security Is Funded 02:11 – How Your Benefit Is Calculated 03:04 – Avoiding Zeros & Increasing Your Benefit 04:00 – Claiming at 62 vs 67 vs 70 04:27 – Why “Always Wait” Isn’t Always Right 04:54 – Coordinating Social Security With Portfolio Withdrawals 05:21 – The Psychology of Guaranteed Income 06:41 – Sequence of Returns Risk Explained 07:34 – When Claiming Early Makes Sense 08:55 – Flexibility: Claiming & Suspending 09:23 – Spousal Benefits Explained 09:48 – Survivor Benefit Planning 10:14 – Taxes, Medicare & Retirement Coordination 10:42 – The Right Way to Think About Claiming #SocialSecurity #RetirementPlanning #FinancialPlanning #RetirementIncome #WhenToClaim #CertifiedFinancialPlanner #WealthManagement #SequenceOfReturns #SpousalBenefits #RetirementAdvice