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Set yourself up for success and financial freedom in retirement.

When it comes to Social Security, one key to maximizing your benefits is to have the right strategy. There are countless ways to approach claiming your benefits that take into account variables such as when to claim, your spouse’s benefits, and more. In order to get the most out of your Social Security, it is essential to educate yourself on which unique strategy may work for you, as well as to consult your financial advisor. 

Mastering your Social Security strategy may be a critical way to set yourself up for success and financial freedom in retirement. Join us in this multi-part series and get all the tips you need to maximize your Social Security

Maximize Partnership – Part 6

Consider Your Social Security Spousal Benefits

If 50% of your spouse’s Social Security payment is more than your entire benefit, you may receive higher payments by electing to receive your spousal benefits instead of your own. For example, if you are on track to receive $1,000 in Social Security per month, and your spouse is set to receive $3,000, you would be better served to collect $1,500, or half of your spouse’s, instead of the $1,000 to which you would be entitled on your own.

A way to further maximize your benefit is to have the higher-earning spouse delay benefits to age 70 if possible. Delaying your Social Security payout may increase your monthly retirement income, and when done by the higher-earning spouse is one way to ensure you get the greatest benefit. Ex-spouses who were married for 10 years or more are still eligible to receive spousal benefits.

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The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by AZELLA to provide information on a topic that may be of interest. AZELLA is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.

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