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Noel Santos
Emmanuel A. Santos JD CPA, Incorporated
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Phone: 415-362-8921
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Email: noel@eas-cpa.com
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Choosing when you’ll start collecting Social Security benefits is a personal decision and the right time to begin varies from person to person.
Waiting the extra years until you reach full retirement age may not be a viable option if you’re no longer working, have limited retirement savings and need the money to pay your bills. In that case, collecting Social Security is the right move.
Depending on your other sources of retirement income, this may or may not be the right option for you. Check with your financial professional to discuss your situation.
Also, you may be able to collect benefits based on your former spouse’s earning record if you were married at least ten years, been divorced for at least two continuous years, are currently unmarried and at least age 62.
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