When Should You Start Social Security Benefits?

Timing Matters More Than Most People Think

Take Benefits Too Early — or Too Late?

You can start Social Security as early as 62 or delay until 70 — but each year makes a difference. We’ll help you understand how your monthly benefit changes, what works best for your household income, and how this choice fits with retirement, Medicare, and taxes.

01

Run the Numbers Based on Your Needs

We’ll show you how your benefit changes based on when you start — and how long you’d need to live to “break even” with delayed benefits.

02

Coordinate Social Security with Medicare & Retirement Income

Starting too early could mean higher healthcare costs. We help you sync benefits with insurance and retirement income to avoid gaps or tax surprises.

03

Consider Spousal & Survivor Benefits

If you're married, widowed, or divorced, your filing decision affects more than just your check. We'll walk through what that means for you and your family.

This One Decision Can Impact the Rest of Retirement

There’s no one-size-fits-all answer — but there is a smart path forward. We’ll help you make a confident, well-informed decision about Social Security, backed by facts and personalized to your life.

The Right Questions, Asked at the Right Time

Starting Social Security: FAQs

  • Can I start Social Security and keep working?

    Yes, but income limits may reduce your benefit before full retirement age. We’ll explain the details.

  • What’s my full retirement age?

    It depends on your birth year — usually 66 or 67. Starting earlier reduces monthly checks.

  • Should I delay until 70 for the highest benefit?

    It depends on your health, income, and goals. We’ll help you weigh the pros and cons.

  • Do spousal benefits change when I file?

    Yes — your decision can impact your spouse’s benefit. We’ll walk through how it works.

  • Is Social Security taxed?

    It can be. We’ll help you understand how your other income affects taxation.

We Help You Make the Most of Retirement

Let’s Talk About Social Security Timing

You only get one shot at this decision — let’s make sure it fits your full retirement plan.

Address:

1805 South Lincoln Avenue

Jerome, ID 83338