Free retirement planning guide
When to claim Social Security
A Quick and Easy Planning Guide
Learn what to consider before choosing a claiming age—and how that decision can fit into the rest of your retirement plan.
- Understand how claiming age affects your benefit
- Identify the personal factors worth considering
- Prepare for a more informed retirement decision
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Planning guide
When to claim Social Security
A Quick and Easy Planning Guide
Educational information to help you prepare for a more informed decision.
Inside the guide
Make your claiming decision with more context
A short, approachable introduction to one of retirement planning’s most important timing decisions.
Understand your timing choices
See how claiming earlier or waiting can change the monthly benefit you receive.
Consider the trade-offs
Think through work, longevity, cash flow, and the role Social Security plays in your plan.
Plan as a household
Review questions that may matter when coordinating benefits with a spouse or partner.