My name is Dale Payne and I am an independent Financial Professional in Colorado Springs. I've worked as a Financial Professional since 1986 and as a licensed insurance agent since 1990. With my 28 years of experience, I've found that the people that succeed are the ones who planned for retirement. My objective is to help you achieve your goal of financial freedom. I can help you with Financial Services, Insurance needs, Annuities and even How to Save Money at any income level.
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Yes, you might get less over your lifetime if you claim later Monthly benefits are set so that lifetime benefits are much the same no matter when the average person starts to collect Social Security. – If you’re in poor health and unlikely to live as long as the average person, you’ll probably get less, […]
You don’t have to claim when you retire. Retiring and claiming are two different things. So if you have enough savings when you retire, you have two options. – Start collecting right away. That’s what most people do. – Delay and, while you wait, use a portion of your savings to live on. This option […]
You can continue to work after you claim However, Social Security is designed to replace your earnings when you no longer work. So if you start to collect benefits and continue work before you reach your Full Retirement Age, some of your benefits might be withheld. Before the Full Retirement Age, Social Security withholds… […]
Special Rules that raise the benefits of the lower-earning spouse-most often the wife-generally make claiming later an attractive option for married men. The spousal benefit If both husband and wife have claimed benefits, each is guaranteed half what the other would get at the Full Retirement Age (whih used to be 65, is now 66, […]