When Should You Take Social Security?

The answer to this big and tricky retirement question depends on your health, family situation and other factors.

As a financial professional, I get a lot of questions. The one I'm asked most often—pretty much every day, in fact—is: "When is the best time to take my Social Security retirement benefits?"

And the answer I give is always the same:

Subscribe to Kiplinger’s Personal Finance

Be a smarter, better informed investor.

Save up to 74%

Sign up for Kiplinger’s Free E-Newsletters

Profit and prosper with the best of expert advice on investing, taxes, retirement, personal finance and more - straight to your e-mail.

Profit and prosper with the best of expert advice - straight to your e-mail.

Sign up

This article was written by and presents the views of our contributing adviser, not the Kiplinger editorial staff. You can check adviser records with the SEC or with FINRA.

To continue reading this article
please register for free

This is different from signing in to your print subscription

Why am I seeing this? Find out more here

Janie Kelly, RICP
Managing Partner, Kelly Capital Partners

In 2010, Janie joined a retirement financial firm and in 2015 bought the firm and renamed it Kelly Capital Partners. As a financial adviser, Janie serves clients through detailed financial planning, disciplined investments, insurance strategies and proactive personal service. Her focus is to help retirees attain confidence in their financial future through a well-designed plan they can rely on throughout their retirement years. Janie achieved the Retirement Income Certified Professional designation, Series 65 registration and holds a Michigan life and health insurance license. She is the author of Rerouting to Retirement and has authored whitepapers and articles in financial periodicals.