Offering clients the best advice on Social Security claiming strategies can be dauntingly complex. Some advisers are using software programs to cut through the confusion and help clients maximize benefits.

The reasons are myriad. For one, the Social Security claiming process has become even more complicated in recent months. The end of the file-and-suspend strategy is perhaps the most fundamental change planners are grappling with. Under this provision, one spouse could file and delay benefits while the other claimed Social Security. This had the effect of significantly boosting total lifetime benefits.

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