Why People Take Social Security at 67

For most Americans, age 67 feels like the obvious time to start Social Security. It’s your Full Retirement Age. You get your full benefit. No penalties. No reductions. But is it actually the best time to claim?

In this video, I’m breaking down why so many people default to age 67—and what they could be missing by doing so. We’ll cover the hidden trade-offs, the tax planning opportunities that might disappear, and how your filing decision could impact your spouse’s long-term income.

As an Investment Adviser Representative with Royal Fund Management, I’ve helped many retirees look beyond the default and build strategies that truly align with their income needs, tax picture, and long-term goals.

We’ll explore:

Why 67 feels like the “safe” choice

What you give up by filing at 67

When 67 actually makes sense

The big-picture questions to ask before you file

If you want to claim Social Security with confidence—not guesswork—this video will help you make a more informed, strategic decision.

Don’t forget to like, comment, and subscribe for more retirement education—and book a time to talk if you’d like help reviewing your plan.





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