SOCIAL SECURITY PLANNING: TIMING

When Is the Best Time to Claim Social Security?

Claiming too early can mean leaving tens of thousands of dollars on the table over your lifetime, but waiting too long can increase your tax bill or force bigger withdrawals from your savings.

We help University of Rochester professionals make this critical decision with clarity and confidence.

Related Social Security Insight:

The Hidden Cost of Claiming Social Security Too Early

Social Security Timing for University of Rochester professionals in Victor NY

We don’t rely on one-size-fits-all software. We tailor your claiming strategy to your goals, health, and tax picture.

 

We look at your entire retirement picture, including:

 

  • 403(b) and IRA withdrawals

  • Rental income or other side income

  • Required Minimum Distributions (RMDs)

  • Dividends, interest, and capital gains

  • Spousal benefits and survivor strategies

  • Health and family longevity factors

 

By analyzing these details together, we help you choose a Social Security timing strategy that:

 

  • Maximizes lifetime benefits

  • Reduces unnecessary taxes

  • Creates a reliable income stream you can count on

 

Want to learn more about choosing the right Social Security claiming strategy?

See the Social Security Strategy That Fits You