The Social Security Decision That Can
Cost People Six Figures

What to consider before locking in one of retirement’s most permanent decisions.

Social Security looks straightforward. A monthly check. A start date. A choice.

But the timing decision is permanent — and the difference between claiming at 62 versus waiting until 70 can add up to hundreds of thousands of dollars over a lifetime.

Because Social Security lasts for life, adjusts for inflation, and isn’t tied to the market, the timing decision impacts more than your monthly check. It affects your savings pressure, portfolio longevity, and long-term income security.

Small timing decisions compound over decades.

What’s Inside the Free Guide

Inside, you’ll learn:

  • The Three Ages That Matter — how claiming at 62, full retirement age, or 70 changes your lifetime benefit and why there is no “do-over” once you decide
  • Why Timing Impacts More Than Your Monthly Check — how Social Security affects withdrawal rates, portfolio longevity, and long-term income security
  • The Costly Mistakes That Add Up Over Time — including claiming early without a cash-flow reason, treating benefits as “extra money,” and overlooking spousal and survivor implications
  • A Side-by-Side Lifetime Comparison — how two people with identical work histories can experience a six-figure difference simply based on timing
  • The Right Questions to Ask Before Claiming — including how to bridge income, coordinate spouses, and evaluate long-term needs
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Investment advisory services are offered through Kingsview Wealth Management, LLC ("KWM"), an SEC Registered Investment Adviser. Insurance products and services are offered and sold through Kingsview Insurance Services, LLC ("KIS"), by individually licensed and appointed insurance agents. KWM and KIS are subsidiaries of Kingsview Partners.