Dave Lindorff

Studies show that those who continue working into retirement are healthier, both physically and mentally, than those who quit.

Even those with significant health issues may never need to pay for nursing home care.

Working longer and deferring account withdrawals is a great untapped strategy with no downside.

Delaying retirement and staying in their current job may be the key for clients looking to bolster retirement savings.

Waiting to claim Social Security can result in a number of perks for clients. So why do so many people claim at 62?

Though the time period to make changes has narrowed in some instances, there are situations where Social Security allows a redo.

For married couples deciding when to claim Social Security, "it's all about the survivor benefits," for the higher-earning spouse.

If a client old enough to receive Social Security benefits has dependent children, it could affect the calculus as to when the parent should start collecting benefits

Clients who keep working will see healthy gains in Social Security benefits and other financial perks.

Social Security personnel don't always give full information when clients inquire about benefits