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social security benefits

Are you concerned or confused about when you should take your
Social Security benefits? Let SMG Wealth Management advisors help coach you through
the decisions. Our proprietary software will take the guesswork out of it;

after all you could be leaving money on the table.


social security

Timing is one issue that affect Social Security benefits—in
general, the longer you wait to file, the higher the monthly
benefit you will receive. For instance, at age 62, the earliest
you can file, you lock in your monthly benefit amount at
roughly 25% less than it would have been by waiting until your

full retirement age. (Full retirement age is now around age 66,
depending on the month and year of your birth.) If you wait
from full retirement age to age 70, your monthly benefit
increases every year by 8%, plus any cost-of-living increases.


But there’s more to it than just timing, especially if you are married or are divorced but married for 10 years or longer in the past.


There are still dozens of ways you can file in order to maximize your Social Security benefits over the long-term. Furthermore, the advisors at SMG Wealth Management  will help guide you through other considerations like health and employment status that may dictate what’s best for you.

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