For past generations, claiming Social Security benefits may have been a relatively straightforward decision. But as life expectancy has increased, baby boomers are looking to make the most of their retirement income from a variety of sources. Social Security represents a bedrock of income for retirees, and choosing an optimal claiming strategy can be a difficult task.

Understanding your options can give you a head start on determining when and how to file for benefits to best align with your overall retirement income plan. Married couples should consider the timing of their benefits and also the impact of spousal and survivor income.

It’s important to note that there is no “one size fits all” age or strategy for claiming Social Security benefits. You’ll need to analyze the financial impact of choosing one claiming strategy over another based on your financial goals and income needs.

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