Waiting Until 70? This Social Security Trap Could Cost You

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Show Notes and Resources

Show Notes - https://onedegreeadvisors.com/2025/08...

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Client case studies are adapted from actual financial plans and/or scenarios but have been modified for clarity and simplicity. These illustrations are intended for educational and entertainment purposes only and should not be relied upon for personal decision making. Each plan is developed using specific client conversations, assumptions, and planning inputs that are not fully detailed in these videos. Please consult your own financial, tax, and legal advisors before making any financial decisions.

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0:00 – The common advice on Social Security
0:30 – Why more isn’t always better
1:00 – Understanding benefit increases and survivor impact
2:00 – Risks of delaying and dying early
2:30 – A real-world retirement case study
3:30 – The cost of early IRA withdrawals
4:30 – Balancing longevity with financial stress
5:30 – When early benefits offer emotional security
6:30 – How market timing can change outcomes
7:30 – Real data: Early vs. late claiming scenarios
8:30 – Stress-testing assumptions with real-world modeling
9:30 – Tax advantages of early Social Security
10:30 – Using delays for strategic Roth conversions
11:30 – The trade-offs of early claiming on tax strategy
12:30 – Emotional and psychological benefits of early claiming
13:30 – Final thoughts and what really impacts retirement outcomes