Social Security Claim Optimizer
When should you claim Social Security — 62, full retirement age, or 70? We project your lifetime benefits at every claim age and find the break-even point between an early and a delayed claim.
How this works: SSA benefit reduction is 5/9 of 1% per month for the first 36 months early and 5/12 of 1% per month beyond that. Delayed Retirement Credits accrue at 8% per year past FRA, capped at age 70. Lifetime cumulative benefits use the COLA assumption you entered, applied annually. Spousal-survivor coordination, the earnings test, and SS-taxability bands are not modeled in this v1 — talk with us about those.
T&T Capital Management is an SEC-registered investment adviser. To talk with us about your specific situation, schedule a free consultation.