Terri and her husband Dave, clients of mine who did not want their last names used, were surprised when I told them only one of them should delay filing for social Security retirement benefits until age 70.

They had done their research, reading diligently and attending a seminar on Social Security strategies and planning. They learned about the significant value of delaying filing for benefits and could certainly afford to delay. The only problem was delaying filing was not their best choice.

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