Last week I met with a couple I’ll call Jeff and Julie, both age 62. Julie had purchased a Social Security claiming analysis for the two of them, and before we started, I asked: “Why did you decide to do this?” Her answer had almost nothing to do with maximizing benefits.
“Ray, I read. And everything I’ve been reading about what’s happening with Social Security makes me nervous. If we wait until we are 70 to file, will it even be there?”
