{"id":1482,"date":"2023-12-15T10:28:43","date_gmt":"2023-12-15T10:28:43","guid":{"rendered":"https:\/\/www.fuchsfinancial.com\/?page_id=1482"},"modified":"2024-02-13T05:02:50","modified_gmt":"2024-02-13T05:02:50","slug":"social-security","status":"publish","type":"page","link":"https:\/\/www.fuchsfinancial.com\/social-security\/","title":{"rendered":"Social Security"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1482\" class=\"elementor elementor-1482\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3a67862 e-flex e-con-boxed e-con e-parent\" data-id=\"3a67862\" data-element_type=\"container\" id=\"sec_1\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[],&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-45225db e-con-full e-flex e-con e-child\" data-id=\"45225db\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-02022fc home-scroll inner-scroll elementor-hidden-mobile elementor-widget elementor-widget-jet-scroll-navigation\" data-id=\"02022fc\" data-element_type=\"widget\" data-widget_type=\"jet-scroll-navigation.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-jet-scroll-navigation jet-elements\"><div class=\"jet-scroll-navigation jet-scroll-navigation--position-right jet-scroll-navigation--show-active-hint\" data-settings='{\"position\":\"right\",\"speed\":500,\"offset\":0,\"sectionSwitch\":false,\"sectionSwitchOnMobile\":false,\"hintShowType\":\"show-active-hint\",\"sectionIdVisibility\":true}'><div class=\"jet-scroll-navigation__inner\">\n<div class=\"jet-scroll-navigation__item\" data-anchor=\"sec_1\" data-invert=\"no\">\n\t<div class=\"jet-scroll-navigation__dot\"><span class=\"jet-elements-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10\" height=\"10\" viewBox=\"0 0 10 10\" fill=\"none\"><rect x=\"4.6377\" y=\"0.539185\" width=\"6.19039\" height=\"6.19039\" transform=\"rotate(45 4.6377 0.539185)\" fill=\"white\"><\/rect><\/svg><\/span>\t<\/div>\n\t<div class=\"jet-scroll-navigation__item-hint\">\t<\/div>\n<\/div>\n\n<div class=\"jet-scroll-navigation__item\" data-anchor=\"sec_2\" data-invert=\"no\">\n\t<div class=\"jet-scroll-navigation__dot\"><span class=\"jet-elements-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10\" height=\"10\" viewBox=\"0 0 10 10\" fill=\"none\"><rect x=\"4.6377\" y=\"0.539185\" width=\"6.19039\" height=\"6.19039\" transform=\"rotate(45 4.6377 0.539185)\" fill=\"white\"><\/rect><\/svg><\/span>\t<\/div>\n\t<div class=\"jet-scroll-navigation__item-hint\">\t<\/div>\n<\/div>\n\n<div class=\"jet-scroll-navigation__item\" data-anchor=\"sec_3\" data-invert=\"no\">\n\t<div class=\"jet-scroll-navigation__dot\"><span class=\"jet-elements-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10\" height=\"10\" viewBox=\"0 0 10 10\" fill=\"none\"><rect x=\"4.6377\" y=\"0.539185\" width=\"6.19039\" height=\"6.19039\" transform=\"rotate(45 4.6377 0.539185)\" fill=\"white\"><\/rect><\/svg><\/span>\t<\/div>\n\t<div class=\"jet-scroll-navigation__item-hint\">\t<\/div>\n<\/div>\n\n<\/div>\n<\/div>\n<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dcf5bf5 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"dcf5bf5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.19.0 - 28-02-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\tMaximizing the benefits you are entitled to\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f3ae185 top-head elementor-widget elementor-widget-heading\" data-id=\"f3ae185\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.19.0 - 28-02-2024 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h1 class=\"elementor-heading-title elementor-size-default\">Social <br>Security<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bfd8c89 e-flex e-con-boxed e-con e-parent\" data-id=\"bfd8c89\" data-element_type=\"container\" id=\"sec_2\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[],&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-471a2e0 elementor-widget elementor-widget-heading\" data-id=\"471a2e0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How do you know when to claim Social Security?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ba4161 elementor-widget elementor-widget-heading\" data-id=\"3ba4161\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<span class=\"elementor-heading-title elementor-size-default\">Maximizing your benefit will depend on a few factors but below we will touch on the following:<\/span>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f399e1c e-con-full e-flex e-con e-child\" data-id=\"f399e1c\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-c5ae77e e-con-full e-flex e-con e-child\" data-id=\"c5ae77e\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;content_width&quot;:&quot;full&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fcba912 elementor-position-left elementor-vertical-align-middle elementor-mobile-position-left icon-box-mobile elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"fcba912\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<link rel=\"stylesheet\" href=\"https:\/\/www.fuchsfinancial.com\/wp-content\/plugins\/elementor\/assets\/css\/widget-icon-box.min.css\">\t\t<div class=\"elementor-icon-box-wrapper\">\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon elementor-animation-\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"29\" height=\"29\" viewBox=\"0 0 29 29\" fill=\"none\"><path d=\"M3.22222 29C2.33611 29 1.57755 28.6845 0.946528 28.0535C0.315509 27.4225 0 26.6639 0 25.7778V3.22222C0 2.33611 0.315509 1.57755 0.946528 0.946528C1.57755 0.315509 2.33611 0 3.22222 0H25.7778C26.6639 0 27.4225 0.315509 28.0535 0.946528C28.6845 1.57755 29 2.33611 29 3.22222V25.7778C29 26.6639 28.6845 27.4225 28.0535 28.0535C27.4225 28.6845 26.6639 29 25.7778 29H3.22222ZM3.22222 25.7778H25.7778V6.44444H3.22222V25.7778ZM14.5 22.5556C12.2981 22.5556 10.3313 21.9581 8.59931 20.7632C6.86736 19.5683 5.61204 18.0176 4.83333 16.1111C5.61204 14.2046 6.86736 12.6539 8.59931 11.459C10.3313 10.2641 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fill=\"#D9CAB8\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t<span  >\n\t\t\t\t\t\tReview of <br>Social Security\t\t\t\t\t<\/span>\n\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-409ccd2 elementor-position-left elementor-vertical-align-middle elementor-mobile-position-left icon-box-mobile elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"409ccd2\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon elementor-animation-\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"35\" height=\"35\" viewBox=\"0 0 35 35\" fill=\"none\"><mask id=\"mask0_670_2396\" style=\"mask-type:alpha\" maskUnits=\"userSpaceOnUse\" x=\"0\" y=\"0\" width=\"35\" height=\"35\"><rect width=\"34.1318\" height=\"34.1318\" fill=\"#D9D9D9\"><\/rect><\/mask><g mask=\"url(#mask0_670_2396)\"><path d=\"M15.9984 19.1992C16.8991 19.1992 17.6576 18.891 18.2739 18.2748C18.8902 17.6585 19.1983 16.9 19.1983 15.9993C19.1983 15.0986 18.8902 14.3401 18.2739 13.7238C17.6576 13.1076 16.8991 12.7994 15.9984 12.7994C15.0977 12.7994 14.3393 13.1076 13.723 13.7238C13.1067 14.3401 12.7986 15.0986 12.7986 15.9993C12.7986 16.9 13.1067 17.6585 13.723 18.2748C14.3393 18.891 15.0977 19.1992 15.9984 19.1992ZM22.8604 24.8878L19.1272 21.1546C18.6531 21.4628 18.1495 21.6879 17.6161 21.8302C17.0828 21.9724 16.5436 22.0435 15.9984 22.0435C14.3156 22.0435 12.8875 21.4568 11.7142 20.2836C10.5409 19.1103 9.95426 17.6822 9.95426 15.9993C9.95426 14.3164 10.5409 12.8883 11.7142 11.715C12.8875 10.5418 14.3156 9.95512 15.9984 9.95512C17.6813 9.95512 19.1094 10.5418 20.2827 11.715C21.456 12.8883 22.0426 14.3164 22.0426 15.9993C22.0426 16.5445 21.9656 17.0837 21.8115 17.617C21.6575 18.1503 21.4264 18.654 21.1182 19.128L24.8869 22.8968L22.8604 24.8878ZM7.10994 29.8654C6.32776 29.8654 5.65816 29.5868 5.10114 29.0298C4.54413 28.4728 4.26562 27.8032 4.26562 27.021V21.3324H7.10994V27.021H12.7986V29.8654H7.10994ZM21.3315 29.8654V27.021H27.0202V21.3324H29.8645V27.021C29.8645 27.8032 29.586 28.4728 29.029 29.0298C28.472 29.5868 27.8024 29.8654 27.0202 29.8654H21.3315ZM4.26562 12.7994V7.1108C4.26562 6.32861 4.54413 5.65901 5.10114 5.102C5.65816 4.54499 6.32776 4.26648 7.10994 4.26648H12.7986V7.1108H7.10994V12.7994H4.26562ZM27.0202 12.7994V7.1108H21.3315V4.26648H27.0202C27.8024 4.26648 28.472 4.54499 29.029 5.102C29.586 5.65901 29.8645 6.32861 29.8645 7.1108V12.7994H27.0202Z\" fill=\"#D9CAB8\"><\/path><\/g><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t<span  >\n\t\t\t\t\t\tAnalyzing the different<br> options available\t\t\t\t\t<\/span>\n\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a666dfd e-con-full e-flex e-con e-child\" data-id=\"a666dfd\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;content_width&quot;:&quot;full&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0152354 elementor-position-left elementor-vertical-align-middle elementor-mobile-position-left icon-box-mobile elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"0152354\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon elementor-animation-\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"30\" height=\"30\" viewBox=\"0 0 30 30\" fill=\"none\"><mask id=\"mask0_672_1945\" style=\"mask-type:alpha\" maskUnits=\"userSpaceOnUse\" x=\"0\" y=\"0\" width=\"30\" height=\"30\"><rect width=\"30\" height=\"30\" fill=\"#D9D9D9\"><\/rect><\/mask><g mask=\"url(#mask0_672_1945)\"><path d=\"M15 26.25V17.5C15 16.8125 15.2448 16.224 15.7344 15.7344C16.224 15.2448 16.8125 15 17.5 15H25C25.6875 15 26.276 15.2448 26.7656 15.7344C27.2552 16.224 27.5 16.8125 27.5 17.5V26.25H25V17.5H22.5V23.75H20V17.5H17.5V26.25H15ZM6.25 26.25C5.5625 26.25 4.97396 26.0052 4.48438 25.5156C3.99479 25.026 3.75 24.4375 3.75 23.75V6.25C3.75 5.5625 3.99479 4.97396 4.48438 4.48438C4.97396 3.99479 5.5625 3.75 6.25 3.75H11.4688C11.6979 3.02083 12.1458 2.42188 12.8125 1.95312C13.4792 1.48438 14.2083 1.25 15 1.25C15.8333 1.25 16.5781 1.48438 17.2344 1.95312C17.8906 2.42188 18.3333 3.02083 18.5625 3.75H23.75C24.4375 3.75 25.026 3.99479 25.5156 4.48438C26.0052 4.97396 26.25 5.5625 26.25 6.25V12.5H23.75V6.25H21.25V10H8.75V6.25H6.25V23.75H12.5V26.25H6.25ZM15 6.25C15.3542 6.25 15.651 6.13021 15.8906 5.89062C16.1302 5.65104 16.25 5.35417 16.25 5C16.25 4.64583 16.1302 4.34896 15.8906 4.10938C15.651 3.86979 15.3542 3.75 15 3.75C14.6458 3.75 14.349 3.86979 14.1094 4.10938C13.8698 4.34896 13.75 4.64583 13.75 5C13.75 5.35417 13.8698 5.65104 14.1094 5.89062C14.349 6.13021 14.6458 6.25 15 6.25Z\" fill=\"#D9CAB8\"><\/path><\/g><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t<span  >\n\t\t\t\t\t\tTaxation<br> of Benefits\t\t\t\t\t<\/span>\n\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-70c4752 elementor-position-left elementor-vertical-align-middle elementor-mobile-position-left icon-box-mobile elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"70c4752\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon elementor-animation-\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"35\" height=\"35\" viewBox=\"0 0 35 35\" fill=\"none\"><mask id=\"mask0_670_2426\" style=\"mask-type:alpha\" maskUnits=\"userSpaceOnUse\" x=\"0\" y=\"0\" width=\"35\" height=\"35\"><rect width=\"35\" height=\"35\" fill=\"#D9D9D9\"><\/rect><\/mask><g mask=\"url(#mask0_670_2426)\"><path d=\"M7.29036 29.1666V26.25H10.207V20.4166L1.45703 7.29163H21.8737L13.1237 20.4166V26.25H16.0404V29.1666H7.29036ZM8.60286 13.125H14.7279L16.7695 10.2083H6.5612L8.60286 13.125ZM23.332 29.1666C22.1168 29.1666 21.0838 28.7413 20.2331 27.8906C19.3824 27.0399 18.957 26.0069 18.957 24.7916C18.957 23.5763 19.3824 22.5434 20.2331 21.6927C21.0838 20.842 22.1168 20.4166 23.332 20.4166C23.5994 20.4166 23.8546 20.4349 24.0977 20.4713C24.3407 20.5078 24.5716 20.5868 24.7904 20.7083V7.29163H32.082V11.6666H27.707V24.7916C27.707 26.0069 27.2817 27.0399 26.431 27.8906C25.5803 28.7413 24.5473 29.1666 23.332 29.1666Z\" fill=\"#D9CAB8\"><\/path><\/g><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t<span  >\n\t\t\t\t\t\tQuality of life vs <br>Maximized benefits\t\t\t\t\t<\/span>\n\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-efe937b e-flex e-con-boxed e-con e-parent\" data-id=\"efe937b\" data-element_type=\"container\" id=\"sec_3\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-c152668 e-con-full e-flex e-con e-child\" data-id=\"c152668\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6faef57 elementor-hidden-desktop elementor-hidden-tablet elementor-widget elementor-widget-jet-accordion\" data-id=\"6faef57\" data-element_type=\"widget\" data-widget_type=\"jet-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"jet-accordion\" data-settings=\"{&quot;collapsible&quot;:false,&quot;ajaxTemplate&quot;:false,&quot;switchScrolling&quot;:false,&quot;switchScrollingOffset&quot;:0,&quot;switchScrollingDelay&quot;:500}\">\n\t\t\t<div class=\"jet-accordion__inner\">\n\t\t\t\t<div class=\"jet-accordion__item jet-toggle jet-toggle-move-up-effect active-toggle\">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1171\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"1\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1171\" aria-expanded=\"true\" data-template-id=\"1497\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><svg class=\"e-font-icon-svg e-fas-caret-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg class=\"e-font-icon-svg e-fas-sort-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M279 224H41c-21.4 0-32.1-25.9-17-41L143 64c9.4-9.4 24.6-9.4 33.9 0l119 119c15.2 15.1 4.5 41-16.9 41z\"><\/path><\/svg><\/span><\/div><div class=\"jet-toggle__label-text\">Full Retirement Age (FRA)<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1171\" class=\"jet-toggle__content\" data-toggle=\"1\" role=\"region\" data-template-id=\"1497\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\">\t\t<div data-elementor-type=\"section\" data-elementor-id=\"1497\" class=\"elementor elementor-1497\" data-elementor-post-type=\"elementor_library\">\n\t\t\t<div class=\"elementor-element elementor-element-9f82125 e-con-full e-flex e-con e-parent\" data-id=\"9f82125\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;,&quot;jet_parallax_layout_list&quot;:[]}\" data-core-v316-plus=\"true\">\n\t\t<div class=\"elementor-element elementor-element-704dcab e-con-full e-flex e-con e-child\" data-id=\"704dcab\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-f8ebf4c e-flex e-con-boxed e-con e-child\" data-id=\"f8ebf4c\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;content_width&quot;:&quot;boxed&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6b42d91 e-flex e-con-boxed e-con e-child\" data-id=\"6b42d91\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;content_width&quot;:&quot;boxed&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1014b38 elementor-widget elementor-widget-heading\" data-id=\"1014b38\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Full Retirement Age (FRA)<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d2cabc elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"5d2cabc\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.19.0 - 28-02-2024 *\/\n.elementor-widget-divider{--divider-border-style:none;--divider-border-width:1px;--divider-color:#0c0d0e;--divider-icon-size:20px;--divider-element-spacing:10px;--divider-pattern-height:24px;--divider-pattern-size:20px;--divider-pattern-url:none;--divider-pattern-repeat:repeat-x}.elementor-widget-divider .elementor-divider{display:flex}.elementor-widget-divider .elementor-divider__text{font-size:15px;line-height:1;max-width:95%}.elementor-widget-divider .elementor-divider__element{margin:0 var(--divider-element-spacing);flex-shrink:0}.elementor-widget-divider .elementor-icon{font-size:var(--divider-icon-size)}.elementor-widget-divider .elementor-divider-separator{display:flex;margin:0;direction:ltr}.elementor-widget-divider--view-line_icon .elementor-divider-separator,.elementor-widget-divider--view-line_text .elementor-divider-separator{align-items:center}.elementor-widget-divider--view-line_icon .elementor-divider-separator:after,.elementor-widget-divider--view-line_icon .elementor-divider-separator:before,.elementor-widget-divider--view-line_text .elementor-divider-separator:after,.elementor-widget-divider--view-line_text .elementor-divider-separator:before{display:block;content:\"\";border-block-end:0;flex-grow:1;border-block-start:var(--divider-border-width) var(--divider-border-style) var(--divider-color)}.elementor-widget-divider--element-align-left .elementor-divider .elementor-divider-separator>.elementor-divider__svg:first-of-type{flex-grow:0;flex-shrink:100}.elementor-widget-divider--element-align-left .elementor-divider-separator:before{content:none}.elementor-widget-divider--element-align-left .elementor-divider__element{margin-left:0}.elementor-widget-divider--element-align-right .elementor-divider .elementor-divider-separator>.elementor-divider__svg:last-of-type{flex-grow:0;flex-shrink:100}.elementor-widget-divider--element-align-right .elementor-divider-separator:after{content:none}.elementor-widget-divider--element-align-right .elementor-divider__element{margin-right:0}.elementor-widget-divider--element-align-start .elementor-divider .elementor-divider-separator>.elementor-divider__svg:first-of-type{flex-grow:0;flex-shrink:100}.elementor-widget-divider--element-align-start .elementor-divider-separator:before{content:none}.elementor-widget-divider--element-align-start .elementor-divider__element{margin-inline-start:0}.elementor-widget-divider--element-align-end .elementor-divider .elementor-divider-separator>.elementor-divider__svg:last-of-type{flex-grow:0;flex-shrink:100}.elementor-widget-divider--element-align-end .elementor-divider-separator:after{content:none}.elementor-widget-divider--element-align-end .elementor-divider__element{margin-inline-end:0}.elementor-widget-divider:not(.elementor-widget-divider--view-line_text):not(.elementor-widget-divider--view-line_icon) .elementor-divider-separator{border-block-start:var(--divider-border-width) var(--divider-border-style) var(--divider-color)}.elementor-widget-divider--separator-type-pattern{--divider-border-style:none}.elementor-widget-divider--separator-type-pattern.elementor-widget-divider--view-line .elementor-divider-separator,.elementor-widget-divider--separator-type-pattern:not(.elementor-widget-divider--view-line) .elementor-divider-separator:after,.elementor-widget-divider--separator-type-pattern:not(.elementor-widget-divider--view-line) .elementor-divider-separator:before,.elementor-widget-divider--separator-type-pattern:not([class*=elementor-widget-divider--view]) .elementor-divider-separator{width:100%;min-height:var(--divider-pattern-height);-webkit-mask-size:var(--divider-pattern-size) 100%;mask-size:var(--divider-pattern-size) 100%;-webkit-mask-repeat:var(--divider-pattern-repeat);mask-repeat:var(--divider-pattern-repeat);background-color:var(--divider-color);-webkit-mask-image:var(--divider-pattern-url);mask-image:var(--divider-pattern-url)}.elementor-widget-divider--no-spacing{--divider-pattern-size:auto}.elementor-widget-divider--bg-round{--divider-pattern-repeat:round}.rtl .elementor-widget-divider .elementor-divider__text{direction:rtl}.e-con-inner>.elementor-widget-divider,.e-con>.elementor-widget-divider{width:var(--container-widget-width,100%);--flex-grow:var(--container-widget-flex-grow)}<\/style>\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a027b13 elementor-widget elementor-widget-text-editor\" data-id=\"a027b13\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tThis is the age at which you may claim full, unreduced Social Security benefits. A lot of people think of age 62 when they think of Social Security, but if you claim your Social Security benefit at 62, it will be permanently reduced by 25% or more. To get your full benefit you must wait until full retirement age to claim it. If you were born between 1943 and 1954, your full retirement age is 66. If you were born in 1960 or later, your full retirement age is 67.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e444fa9 e-flex e-con-boxed e-con e-child\" data-id=\"e444fa9\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;content_width&quot;:&quot;boxed&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d0674ff birth-table elementor-widget elementor-widget-jet-table\" data-id=\"d0674ff\" data-element_type=\"widget\" data-widget_type=\"jet-table.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-jet-table jet-elements\">\n\t\t<div class=\"jet-table-wrapper\">\n\t\t\t<table class=\"jet-table jet-table--fa5-compat\">\n\t\t\t\t<thead class=\"jet-table__head\"><tr class=\"jet-table__head-row\"><th class=\"jet-table__cell elementor-repeater-item-645cae9 jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Year of Birth<\/div><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-a53012d jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Full Retirement Age<\/div><\/div><\/div><\/th><\/tr><\/thead>\n\t\t\t\t\t\t\t\t<tbody class=\"jet-table__body\"><tr class=\"jet-table__body-row elementor-repeater-item-2b6e431\"><td class=\"jet-table__cell elementor-repeater-item-c6f029b jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">1943-54<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-01c8972 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">66<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-a13a17e\"><td class=\"jet-table__cell elementor-repeater-item-9db9b80 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">1955<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-8aaf588 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">66 and 2 months<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-4bd28df\"><td class=\"jet-table__cell elementor-repeater-item-af01a12 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">1956<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-49b5cb7 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">66 and 4 months<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-d399b57\"><td class=\"jet-table__cell elementor-repeater-item-296e8e9 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">1957<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-693176b jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">66 and 6 months<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-2f715e4\"><td class=\"jet-table__cell elementor-repeater-item-04cb248 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">1958<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-23527c6 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">66 and 8 months<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-b4152c7\"><td class=\"jet-table__cell elementor-repeater-item-5f1b57f jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">1959<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-8a746d5 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">66 and 10 months<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-9e115a6\"><td class=\"jet-table__cell elementor-repeater-item-d37b1b7 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">1960 and later<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-1a2b2d4 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">67<\/div><\/div><\/div><\/td><\/tr><\/tbody>\n\t\t\t<\/table>\n\t\t<\/div>\n\n\t\t<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7fbcb7e elementor-position-left elementor-widget__width-initial services-blurb elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"7fbcb7e\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.19.0 - 28-02-2024 *\/\n.elementor-widget-image-box .elementor-image-box-content{width:100%}@media (min-width:768px){.elementor-widget-image-box.elementor-position-left .elementor-image-box-wrapper,.elementor-widget-image-box.elementor-position-right .elementor-image-box-wrapper{display:flex}.elementor-widget-image-box.elementor-position-right .elementor-image-box-wrapper{text-align:right;flex-direction:row-reverse}.elementor-widget-image-box.elementor-position-left .elementor-image-box-wrapper{text-align:left;flex-direction:row}.elementor-widget-image-box.elementor-position-top .elementor-image-box-img{margin:auto}.elementor-widget-image-box.elementor-vertical-align-top .elementor-image-box-wrapper{align-items:flex-start}.elementor-widget-image-box.elementor-vertical-align-middle .elementor-image-box-wrapper{align-items:center}.elementor-widget-image-box.elementor-vertical-align-bottom .elementor-image-box-wrapper{align-items:flex-end}}@media (max-width:767px){.elementor-widget-image-box .elementor-image-box-img{margin-left:auto!important;margin-right:auto!important;margin-bottom:15px}}.elementor-widget-image-box .elementor-image-box-img{display:inline-block}.elementor-widget-image-box .elementor-image-box-title a{color:inherit}.elementor-widget-image-box .elementor-image-box-wrapper{text-align:center}.elementor-widget-image-box .elementor-image-box-description{margin:0}<\/style><div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img fetchpriority=\"high\" decoding=\"async\" width=\"260\" height=\"260\" src=\"https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3811.jpg\" class=\"attachment-full size-full wp-image-1498\" alt=\"\" srcset=\"https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3811.jpg 260w, https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3811-150x150.jpg 150w\" sizes=\"(max-width: 260px) 100vw, 260px\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Primary Insurance Amount (PIA)<\/h3><p class=\"elementor-image-box-description\">Your benefit is based on your work history. The system uses your highest 35 years of earnings to calculate your benefit. The higher those earnings are, up to the annual Social Security taxable maximum, the higher your benefit will be.<\/p><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e63a21e elementor-widget elementor-widget-image\" data-id=\"e63a21e\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.19.0 - 28-02-2024 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1575\" height=\"732\" src=\"https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/ch.png\" class=\"attachment-full size-full wp-image-1499\" alt=\"\" srcset=\"https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/ch.png 1575w, https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/ch-300x139.png 300w, https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/ch-1024x476.png 1024w, https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/ch-768x357.png 768w, https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/ch-1536x714.png 1536w\" sizes=\"(max-width: 1575px) 100vw, 1575px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6539c87 elementor-position-left elementor-widget__width-initial services-blurb elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"6539c87\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"260\" height=\"260\" src=\"https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3812.jpg\" class=\"attachment-full size-full wp-image-1500\" alt=\"\" srcset=\"https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3812.jpg 260w, https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3812-150x150.jpg 150w\" sizes=\"(max-width: 260px) 100vw, 260px\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Estimate benefits<\/h3><p class=\"elementor-image-box-description\">If you are over 60, the Social Security Administration sends you an annual statement, three months before your birthday, showing the amount of benefits you may be entitled to when you retire. If you are under 60 or for any other reason want to access your statement online, you can go to www.socialsecurity.gov\/mystatement. The Social Security Administration stops generating statements for people who are already receiving some form of Social Security benefits.<\/p><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-749d55f e-con-full e-flex e-con e-child\" data-id=\"749d55f\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-0917bad e-flex e-con-boxed e-con e-child\" data-id=\"0917bad\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[],&quot;content_width&quot;:&quot;boxed&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8cd146a elementor-widget elementor-widget-heading\" data-id=\"8cd146a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Obtain your annual Social Security statement at <\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1dff35a elementor-widget elementor-widget-button\" data-id=\"1dff35a\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"http:\/\/www.socialsecurity.gov\/myaccount\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">www.socialsecurity.gov\/myaccount<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d600aec e-flex e-con-boxed e-con e-child\" data-id=\"d600aec\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[],&quot;content_width&quot;:&quot;boxed&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f41b291 elementor-widget elementor-widget-heading\" data-id=\"f41b291\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Go to<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3aa285b elementor-widget elementor-widget-button\" data-id=\"3aa285b\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"http:\/\/www.socialsecurity.gov\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">www.socialsecurity.gov<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b547a5b elementor-widget elementor-widget-text-editor\" data-id=\"b547a5b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tclick on \u201cRetirement Estimator\u201d\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\"jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1172\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"2\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1172\" aria-expanded=\"false\" data-template-id=\"1510\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><svg class=\"e-font-icon-svg e-fas-caret-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg class=\"e-font-icon-svg e-fas-sort-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M279 224H41c-21.4 0-32.1-25.9-17-41L143 64c9.4-9.4 24.6-9.4 33.9 0l119 119c15.2 15.1 4.5 41-16.9 41z\"><\/path><\/svg><\/span><\/div><div class=\"jet-toggle__label-text\">When to apply<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1172\" class=\"jet-toggle__content\" data-toggle=\"2\" role=\"region\" data-template-id=\"1510\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\">\t\t<div data-elementor-type=\"section\" data-elementor-id=\"1510\" class=\"elementor elementor-1510\" data-elementor-post-type=\"elementor_library\">\n\t\t\t<div class=\"elementor-element elementor-element-c934795 e-con-full e-flex e-con e-parent\" data-id=\"c934795\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;,&quot;jet_parallax_layout_list&quot;:[]}\" data-core-v316-plus=\"true\">\n\t\t<div class=\"elementor-element elementor-element-c070f5e e-con-full e-flex e-con e-child\" data-id=\"c070f5e\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-cba0960 e-flex e-con-boxed e-con e-child\" data-id=\"cba0960\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;content_width&quot;:&quot;boxed&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-fd3572e e-flex e-con-boxed e-con e-child\" data-id=\"fd3572e\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;content_width&quot;:&quot;boxed&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2f515d2 elementor-widget elementor-widget-heading\" data-id=\"2f515d2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Full Retirement Age (FRA)<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-233e6af elementor-position-left elementor-widget__width-inherit services-blurb elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"233e6af\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"260\" height=\"260\" src=\"https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3813.jpg\" class=\"attachment-full size-full wp-image-1513\" alt=\"\" srcset=\"https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3813.jpg 260w, https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3813-150x150.jpg 150w\" sizes=\"(max-width: 260px) 100vw, 260px\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">When to apply<\/h3><p class=\"elementor-image-box-description\">Very complex and really requires a customized analysis. But here are a few points to remember.\nIf you apply early, your benefit starts out at some fraction of your PIA (Primary Insurance Amount) _ and remains at that percentage for the rest of your life. Your benefit amount is locked in at the time you apply, and only goes up with annual COLAs (Cost of Living Adjustments).<br>\nCOLAs (Cost of Living Adjustments) magnify the impact of early or delayed retirement because the annual cost-of-living adjustment is applied to either the lower or higher amount. This causes the disparity to increase with each passing year.<br>\nThe \"when to apply\" question impacts survivor benefits as well. In fact, if your spouse earned more than you did so that their PIA (Primary Insurance Amount) is higher than yours, it is even more important for him to delay filing. This will increase your survivor benefit. If they pass away first, their higher benefit will transfer over to you. So you want to do whatever it takes to maximize that survivor benefit. The way to do that is to have him apply for his benefit at age 70.<\/p><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bf412e5 elementor-position-left elementor-widget__width-inherit services-blurb elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"bf412e5\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"260\" height=\"260\" src=\"https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3814.jpg\" class=\"attachment-full size-full wp-image-1512\" alt=\"\" srcset=\"https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3814.jpg 260w, https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3814-150x150.jpg 150w\" sizes=\"(max-width: 260px) 100vw, 260px\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Reasons to not file before FRA<\/h3><p class=\"elementor-image-box-description\">Getting stuck with a reduced benefit is not the only reason not to file for Social Security before full retirement age (FRA).\nAnother reason is that if you are still working, some or all of your benefit may be withheld due to the earnings test. $1 in benefits will be withheld for every $2 you earn over $19,560 in 2022. Now, this is not a reason not to keep working. You're going to need those extra earnings both now and in retirement, if you're managing to save some of your income. But it is a reason not to apply for Social Security before your full retirement age. After you turn full retirement age (FRA), there is no earnings test. So you can receive your full Social Security benefit and earn as much as you want from working without any benefits being withheld.<\/p><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-22acc24 elementor-position-left elementor-widget__width-inherit services-blurb elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"22acc24\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"260\" height=\"260\" src=\"https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3815.jpg\" class=\"attachment-full size-full wp-image-1511\" alt=\"\" srcset=\"https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3815.jpg 260w, https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3815-150x150.jpg 150w\" sizes=\"(max-width: 260px) 100vw, 260px\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Apply before FRA<\/h3><p class=\"elementor-image-box-description\">If you apply for your Social Security retirement benefit before full retirement age, you will receive a percentage of your PIA (Primary Insurance Amount). The difference between $1,400 and $2,000 may not seem like very much now, but over time claiming early can make a huge difference in the amount of total benefits you receive as well as the amount of income you receive each month.<\/p><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f03a153 birth-table elementor-widget elementor-widget-jet-table\" data-id=\"f03a153\" data-element_type=\"widget\" data-widget_type=\"jet-table.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-jet-table jet-elements\">\n\t\t<div class=\"jet-table-wrapper\">\n\t\t\t<table class=\"jet-table jet-table--fa5-compat\">\n\t\t\t\t<thead class=\"jet-table__head\"><tr class=\"jet-table__head-row\"><th class=\"jet-table__cell elementor-repeater-item-645cae9 jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">apply at age<\/div><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-a53012d jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">benefit will be % of pia if fra = 67 (born in 1960 or later)<\/div><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-30bd12a jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Permanent benefit if PIA = $2,000<\/div><\/div><\/div><\/th><\/tr><\/thead>\n\t\t\t\t\t\t\t\t<tbody class=\"jet-table__body\"><tr class=\"jet-table__body-row elementor-repeater-item-2b6e431\"><td class=\"jet-table__cell elementor-repeater-item-c6f029b jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">62<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-01c8972 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">70%<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-6f1e3b3 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$1,400<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-a13a17e\"><td class=\"jet-table__cell elementor-repeater-item-9db9b80 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">63<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-8aaf588 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">75%<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-acb3714 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$1,500<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-4bd28df\"><td class=\"jet-table__cell elementor-repeater-item-af01a12 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">64<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-49b5cb7 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">80%<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-d57ebf1 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$1,600<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-d399b57\"><td class=\"jet-table__cell elementor-repeater-item-296e8e9 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">65<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-693176b jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">86.7%<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-e17f949 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$1,733<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-2f715e4\"><td class=\"jet-table__cell elementor-repeater-item-04cb248 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">66<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-23527c6 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">93.33%<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-7cb66ae jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$1,867<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-b4152c7\"><td class=\"jet-table__cell elementor-repeater-item-5f1b57f jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">67<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-8a746d5 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">100%<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-4b0d76d jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$2,000<\/div><\/div><\/div><\/td><\/tr><\/tbody>\n\t\t\t<\/table>\n\t\t<\/div>\n\n\t\t<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2b26ced elementor-position-left elementor-widget__width-inherit services-blurb elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"2b26ced\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"260\" height=\"260\" src=\"https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3816.jpg\" class=\"attachment-full size-full wp-image-1520\" alt=\"\" srcset=\"https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3816.jpg 260w, https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3816-150x150.jpg 150w\" sizes=\"(max-width: 260px) 100vw, 260px\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Apply after FRA (Full Retirement Age)<\/h3><p class=\"elementor-image-box-description\">Conversely, if you apply for Social Security after full retirement age, your benefit will go up by 8% for each year you delay. So if your full retirement age is 67 and you apply at 68, your benefit will be 108% of your PIA. At 69 it will be 116%, and at 70 it will be 124%. So if your PIA (Primary Insurance Amount) is $2,000 and you wait until age 70 to apply, your permanent benefit will be $2,480.\u00a0<\/p><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-913e360 birth-table elementor-widget elementor-widget-jet-table\" data-id=\"913e360\" data-element_type=\"widget\" data-widget_type=\"jet-table.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-jet-table jet-elements\">\n\t\t<div class=\"jet-table-wrapper\">\n\t\t\t<table class=\"jet-table jet-table--fa5-compat\">\n\t\t\t\t<thead class=\"jet-table__head\"><tr class=\"jet-table__head-row\"><th class=\"jet-table__cell elementor-repeater-item-645cae9 jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">apply at age<\/div><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-a53012d jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">benefit will be % of pia if fra = 67 (born in 1960 or later)<\/div><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-30bd12a jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Permanent benefit if PIA = $2,000<\/div><\/div><\/div><\/th><\/tr><\/thead>\n\t\t\t\t\t\t\t\t<tbody class=\"jet-table__body\"><tr class=\"jet-table__body-row elementor-repeater-item-2b6e431\"><td class=\"jet-table__cell elementor-repeater-item-c6f029b jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">67<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-01c8972 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">100%<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-6f1e3b3 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$2,000<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-a13a17e\"><td class=\"jet-table__cell elementor-repeater-item-9db9b80 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">68<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-8aaf588 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">108%<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-acb3714 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$2,160<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-4bd28df\"><td class=\"jet-table__cell elementor-repeater-item-af01a12 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">69<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-49b5cb7 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">116%<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-d57ebf1 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$2,320<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-d399b57\"><td class=\"jet-table__cell elementor-repeater-item-296e8e9 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">70<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-693176b jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">124%<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-e17f949 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$2,480<\/div><\/div><\/div><\/td><\/tr><\/tbody>\n\t\t\t<\/table>\n\t\t<\/div>\n\n\t\t<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\"jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1173\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"3\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1173\" aria-expanded=\"false\" data-template-id=\"1524\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><svg class=\"e-font-icon-svg e-fas-caret-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg class=\"e-font-icon-svg e-fas-sort-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M279 224H41c-21.4 0-32.1-25.9-17-41L143 64c9.4-9.4 24.6-9.4 33.9 0l119 119c15.2 15.1 4.5 41-16.9 41z\"><\/path><\/svg><\/span><\/div><div class=\"jet-toggle__label-text\">Why delay  benefits?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1173\" class=\"jet-toggle__content\" data-toggle=\"3\" role=\"region\" data-template-id=\"1524\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\">\t\t<div data-elementor-type=\"section\" data-elementor-id=\"1524\" class=\"elementor elementor-1524\" data-elementor-post-type=\"elementor_library\">\n\t\t\t<div class=\"elementor-element elementor-element-5792404 e-con-full e-flex e-con e-parent\" data-id=\"5792404\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;,&quot;jet_parallax_layout_list&quot;:[]}\" data-core-v316-plus=\"true\">\n\t\t<div class=\"elementor-element elementor-element-80962a1 e-con-full e-flex e-con e-child\" data-id=\"80962a1\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-0820d4e e-flex e-con-boxed e-con e-child\" data-id=\"0820d4e\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;content_width&quot;:&quot;boxed&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d8d1dd0 elementor-widget elementor-widget-heading\" data-id=\"d8d1dd0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Why delay benefits?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d6f0cfc elementor-widget elementor-widget-heading\" data-id=\"d6f0cfc\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Bigger checks to start<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a132638 birth-table elementor-widget elementor-widget-jet-table\" data-id=\"a132638\" data-element_type=\"widget\" data-widget_type=\"jet-table.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-jet-table jet-elements\">\n\t\t<div class=\"jet-table-wrapper\">\n\t\t\t<table class=\"jet-table jet-table--fa5-compat\">\n\t\t\t\t<thead class=\"jet-table__head\"><tr class=\"jet-table__head-row\"><th class=\"jet-table__cell elementor-repeater-item-645cae9 jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">age at which benefits are claimed<\/div><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-a53012d jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Permanent monthly benefit if PIA= $2,000 &#038; FRA=67<\/div><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-30bd12a jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">income at age 70 with 2% annual COLA<\/div><\/div><\/div><\/th><\/tr><\/thead>\n\t\t\t\t\t\t\t\t<tbody class=\"jet-table__body\"><tr class=\"jet-table__body-row elementor-repeater-item-2b6e431\"><td class=\"jet-table__cell elementor-repeater-item-c6f029b jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">62<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-01c8972 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$1,400<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-6f1e3b3 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$1,640<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-a13a17e\"><td class=\"jet-table__cell elementor-repeater-item-9db9b80 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">63<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-8aaf588 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$1,500<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-acb3714 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$1,757<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-4bd28df\"><td class=\"jet-table__cell elementor-repeater-item-af01a12 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">64<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-49b5cb7 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$1,600<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-d57ebf1 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$1,875<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-d399b57\"><td class=\"jet-table__cell elementor-repeater-item-296e8e9 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">65<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-693176b jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$1,733<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-e17f949 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$2,031<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-2f715e4\"><td class=\"jet-table__cell elementor-repeater-item-04cb248 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">66<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-23527c6 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$1,873<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-7cb66ae jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$2,187<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-b4152c7\"><td class=\"jet-table__cell elementor-repeater-item-5f1b57f jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">67<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-8a746d5 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$2,000<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-4b0d76d jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$2,343<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-0f2f63e\"><td class=\"jet-table__cell elementor-repeater-item-203aad8 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">68<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-0f9bb2b jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$2,160<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-83aaaa6 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$2,531<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-b7a0b3c\"><td class=\"jet-table__cell elementor-repeater-item-446d2d2 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">69<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-15734d8 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$2,320<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-d5392b0 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$2,718<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-ba74cfc\"><td class=\"jet-table__cell elementor-repeater-item-d760f7c jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">70<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-587e905 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$2,480<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-83a3155 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$2,906<\/div><\/div><\/div><\/td><\/tr><\/tbody>\n\t\t\t<\/table>\n\t\t<\/div>\n\n\t\t<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d0ab4a2 elementor-widget elementor-widget-heading\" data-id=\"d0ab4a2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Bigger checks to start<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0be10e9 birth-table elementor-widget elementor-widget-jet-table\" data-id=\"0be10e9\" data-element_type=\"widget\" data-widget_type=\"jet-table.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-jet-table jet-elements\">\n\t\t<div class=\"jet-table-wrapper\">\n\t\t\t<table class=\"jet-table jet-table--fa5-compat\">\n\t\t\t\t<thead class=\"jet-table__head\"><tr class=\"jet-table__head-row\"><th class=\"jet-table__cell elementor-repeater-item-645cae9 jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">benefits at age<\/div><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-a53012d jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">if claim at 62<\/div><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-30bd12a jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">if claim at 67<\/div><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-aef4fe6 jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">if claim at 70<\/div><\/div><\/div><\/th><\/tr><\/thead>\n\t\t\t\t\t\t\t\t<tbody class=\"jet-table__body\"><tr class=\"jet-table__body-row elementor-repeater-item-2b6e431\"><td class=\"jet-table__cell elementor-repeater-item-c6f029b jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">70<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-01c8972 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$1,640<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-6f1e3b3 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$2,122<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-d586bf1 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$2,906<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-a13a17e\"><td class=\"jet-table__cell elementor-repeater-item-9db9b80 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">75<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-8aaf588 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$1,811<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-acb3714 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$2,343<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-f459b05 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$3,208<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-4bd28df\"><td class=\"jet-table__cell elementor-repeater-item-af01a12 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">80<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-49b5cb7 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$2,000<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-d57ebf1 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$2,597<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-910a2f3 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$3,542<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-d399b57\"><td class=\"jet-table__cell elementor-repeater-item-296e8e9 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">85<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-693176b jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$2,208<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-e17f949 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$2,856<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-4a54a31 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$3,911<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-f7d2ef3\"><td class=\"jet-table__cell elementor-repeater-item-25e5d7e jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">90<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-9ba4b76 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$2,437<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-6f2bc99 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$3,154<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-08ebe7a jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$4,318<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-7434188\"><td class=\"jet-table__cell elementor-repeater-item-ea72326 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">95<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-b64ce47 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$2,691<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-188c277 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$3,482<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-659af8d jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$4,767<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-d3ecd9a\"><td class=\"jet-table__cell elementor-repeater-item-93f3269 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">100<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-809e98c jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$2,971<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-2cff4d6 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$3,844<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-d1fd827 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$5,263<\/div><\/div><\/div><\/td><\/tr><\/tbody>\n\t\t\t<\/table>\n\t\t<\/div>\n\n\t\t<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-34f907c elementor-widget elementor-widget-text-editor\" data-id=\"34f907c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tAnd here we see how wide the disparity has grown. When you&#8217;re 85 years old, your monthly income will be $2,208 if you apply for Social Security at age 62, or $3,911 if you apply at 70. This can make a huge difference in your standard of living! These amounts in the third column may seem high to you now, but they won&#8217;t seem high when a loaf of bread costs $15. Keep in mind that these numbers are based on annual 2% inflation adjustments. The actual inflation adjustments could turn out to be different.\u00a0\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\"jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1174\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"4\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1174\" aria-expanded=\"false\" data-template-id=\"1532\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><svg class=\"e-font-icon-svg e-fas-caret-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg class=\"e-font-icon-svg e-fas-sort-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M279 224H41c-21.4 0-32.1-25.9-17-41L143 64c9.4-9.4 24.6-9.4 33.9 0l119 119c15.2 15.1 4.5 41-16.9 41z\"><\/path><\/svg><\/span><\/div><div class=\"jet-toggle__label-text\">Options<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1174\" class=\"jet-toggle__content\" data-toggle=\"4\" role=\"region\" data-template-id=\"1532\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\">\t\t<div data-elementor-type=\"section\" data-elementor-id=\"1532\" class=\"elementor elementor-1532\" data-elementor-post-type=\"elementor_library\">\n\t\t\t<div class=\"elementor-element elementor-element-5a55f0c e-con-full e-flex e-con e-parent\" data-id=\"5a55f0c\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;,&quot;jet_parallax_layout_list&quot;:[]}\" data-core-v316-plus=\"true\">\n\t\t<div class=\"elementor-element elementor-element-7b01f16 e-con-full e-flex e-con e-child\" data-id=\"7b01f16\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-bd2c323 e-flex e-con-boxed e-con e-child\" data-id=\"bd2c323\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;content_width&quot;:&quot;boxed&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8c44e83 elementor-widget elementor-widget-heading\" data-id=\"8c44e83\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Options<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-891ae56 e-con-full e-flex e-con e-child\" data-id=\"891ae56\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-861f582 e-flex e-con-boxed e-con e-child\" data-id=\"861f582\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[],&quot;content_width&quot;:&quot;boxed&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-29bf055 elementor-widget elementor-widget-heading\" data-id=\"29bf055\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Spousal Benefits<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-356dad5 elementor-widget elementor-widget-text-editor\" data-id=\"356dad5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tSpousal benefit = 50% of your spouse\u2019s PIA if you apply at your full retirement age.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b3c910b elementor-widget elementor-widget-button\" data-id=\"b3c910b\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/get-in-touch\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Your spouse must have filed for their benefit.<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2b511e0 elementor-position-left elementor-widget__width-inherit services-blurb elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"2b511e0\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"260\" height=\"260\" src=\"https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3817.jpg\" class=\"attachment-full size-full wp-image-1541\" alt=\"\" srcset=\"https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3817.jpg 260w, https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3817-150x150.jpg 150w\" sizes=\"(max-width: 260px) 100vw, 260px\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Divorced Spousal Benefits<\/h3><p class=\"elementor-image-box-description\">If your marriage lasted at least 10 years\u2026if you are currently unmarried\u2026and if your ex-spouse is at least 62, you may be entitled to a divorced-spouse benefit. If the divorce occurred more than 2 years ago, he does not need to have filed for his own benefit. He only needs to be 62.<\/p><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9466368 elementor-position-left elementor-widget__width-inherit services-blurb elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"9466368\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"260\" height=\"260\" src=\"https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3818.jpg\" class=\"attachment-full size-full wp-image-1540\" alt=\"\" srcset=\"https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3818.jpg 260w, https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3818-150x150.jpg 150w\" sizes=\"(max-width: 260px) 100vw, 260px\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Survivor Benefits<\/h3><p class=\"elementor-image-box-description\">Survivor benefits can be claimed as early as age 60, or 50 if you are disabled. But remember that if you claim at 60, the amount will be reduced. So young widows shouldn't automatically file for their survivor benefit as soon as they turn 60. You need to analyze all of your Social Security claiming options before deciding when to file.\nTo qualify for a survivor benefit you must have been married to the person who died. Living together doesn't count. If he died during the marriage, you only need to have been married for 9 months. If he died after you divorced, that marriage must have lasted at least 10 years. By the way, same-sex couples can now get Social Security benefits if they are or were legally married.<\/p><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3363c05 elementor-position-left elementor-widget__width-inherit services-blurb elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"3363c05\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"260\" height=\"260\" src=\"https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3819.jpg\" class=\"attachment-full size-full wp-image-1539\" alt=\"\" srcset=\"https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3819.jpg 260w, https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3819-150x150.jpg 150w\" sizes=\"(max-width: 260px) 100vw, 260px\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Taxes<\/h3><p class=\"elementor-image-box-description\">Social Security is generally taxable at the federal level and may partially be taxable at the state level. But, if Social Security is your only source of income, generally it will not be taxable. To determine if your Social Security income may be taxed, we want to combine \u00bd of your Social Security Benefits with other income sources. This gives us the following formula:\nCombined Income = Adjusted Gross Income (AGI) + Nontaxable Amount + \u00bd Social Security income\nIf your combined income is higher than IRS limits within the tax year, your Social Security income is taxable. However, you will never pay taxes on more than 85% of your Social Security Income.\u00a0<\/p><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ee5c19 elementor-position-left elementor-widget__width-inherit services-blurb elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"3ee5c19\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"260\" height=\"260\" src=\"https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3821.jpg\" class=\"attachment-full size-full wp-image-1538\" alt=\"\" srcset=\"https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3821.jpg 260w, https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3821-150x150.jpg 150w\" sizes=\"(max-width: 260px) 100vw, 260px\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Quality of Life vs Maximized Benefits<\/h3><p class=\"elementor-image-box-description\">A consideration most overlooked is quality of life when discussing maximizing Social Security benefits. Whether that be poor health, having an early retirement, other income sources or even wanting to make sure a spouse receives higher benefits. These are all factors to consider when evaluating how you envision your retirement \u2013 for some that can mean taking Social Security earlier and for others taking it later.\u00a0<\/p><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e07118c elementor-position-left elementor-widget__width-inherit services-blurb elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"e07118c\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"260\" height=\"260\" src=\"https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3822.jpg\" class=\"attachment-full size-full wp-image-1537\" alt=\"\" srcset=\"https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3822.jpg 260w, https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3822-150x150.jpg 150w\" sizes=\"(max-width: 260px) 100vw, 260px\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Closing<\/h3><p class=\"elementor-image-box-description\">Most importantly, Social Security decisions should not be made in isolation. Social Security alone is not enough income for most people. Social Security decisions should be made within the context of your overall retirement income strategy.<\/p><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2a60e18 elementor-widget elementor-widget-text-editor\" data-id=\"2a60e18\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tNot endorsed by or affiliated with the Social Security Administration or any U.S. government agency.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6771265 wealth-tabs elementor-hidden-mobile elementor-widget elementor-widget-jet-tabs\" data-id=\"6771265\" data-element_type=\"widget\" data-settings=\"{&quot;tabs_position&quot;:&quot;top&quot;,&quot;no_active_tabs&quot;:&quot;false&quot;}\" data-widget_type=\"jet-tabs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\t\t<div class=\"jet-tabs jet-tabs-position-top jet-tabs-move-up-effect \" data-settings=\"{&quot;activeIndex&quot;:0,&quot;event&quot;:&quot;click&quot;,&quot;autoSwitch&quot;:false,&quot;autoSwitchDelay&quot;:3000,&quot;ajaxTemplate&quot;:false,&quot;tabsPosition&quot;:&quot;top&quot;,&quot;switchScrolling&quot;:false,&quot;switchScrollingOffset&quot;:0}\">\n\t\t\t<div class=\"jet-tabs__control-wrapper \" \trole=\"tablist\">\n\t\t\t\t<div id=\"jet-tabs-control-1081\" class=\"jet-tabs__control jet-tabs__control-icon-left elementor-menu-anchor active-tab\" data-tab=\"1\" tabindex=\"0\" role=\"tab\" aria-controls=\"jet-tabs-content-1081\" aria-expanded=\"true\" data-template-id=\"1497\"><div class=\"jet-tabs__control-inner\"><div class=\"jet-tabs__label-text\">Full Retirement<br> Age (FRA)<\/div><\/div><\/div><div id=\"jet-tabs-control-1082\" class=\"jet-tabs__control jet-tabs__control-icon-left elementor-menu-anchor \" data-tab=\"2\" tabindex=\"0\" role=\"tab\" aria-controls=\"jet-tabs-content-1082\" aria-expanded=\"false\" data-template-id=\"1510\"><div class=\"jet-tabs__control-inner\"><div class=\"jet-tabs__label-text\">When to <br>apply<\/div><\/div><\/div><div id=\"jet-tabs-control-1083\" class=\"jet-tabs__control jet-tabs__control-icon-left elementor-menu-anchor \" data-tab=\"3\" tabindex=\"0\" role=\"tab\" aria-controls=\"jet-tabs-content-1083\" aria-expanded=\"false\" data-template-id=\"1524\"><div class=\"jet-tabs__control-inner\"><div class=\"jet-tabs__label-text\">Why delay<br>benefits?<\/div><\/div><\/div><div id=\"jet-tabs-control-1084\" class=\"jet-tabs__control jet-tabs__control-icon-left elementor-menu-anchor \" data-tab=\"4\" tabindex=\"0\" role=\"tab\" aria-controls=\"jet-tabs-content-1084\" aria-expanded=\"false\" data-template-id=\"1532\"><div class=\"jet-tabs__control-inner\"><div class=\"jet-tabs__label-text\">Options<\/div><\/div><\/div>\t\t\t<\/div>\n\t\t\t<div class=\"jet-tabs__content-wrapper\">\n\t\t\t\t<div id=\"jet-tabs-content-1081\" class=\"jet-tabs__content active-content\" data-tab=\"1\" role=\"tabpanel\" aria-hidden=\"false\" data-template-id=\"1497\">\t\t<div data-elementor-type=\"section\" data-elementor-id=\"1497\" class=\"elementor elementor-1497\" data-elementor-post-type=\"elementor_library\">\n\t\t\t<div class=\"elementor-element elementor-element-9f82125 e-con-full e-flex e-con e-parent\" data-id=\"9f82125\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;,&quot;jet_parallax_layout_list&quot;:[]}\" data-core-v316-plus=\"true\">\n\t\t<div class=\"elementor-element elementor-element-704dcab e-con-full e-flex e-con e-child\" data-id=\"704dcab\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-f8ebf4c e-flex e-con-boxed e-con e-child\" data-id=\"f8ebf4c\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;content_width&quot;:&quot;boxed&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6b42d91 e-flex e-con-boxed e-con e-child\" data-id=\"6b42d91\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;content_width&quot;:&quot;boxed&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1014b38 elementor-widget elementor-widget-heading\" data-id=\"1014b38\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Full Retirement Age (FRA)<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d2cabc elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"5d2cabc\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a027b13 elementor-widget elementor-widget-text-editor\" data-id=\"a027b13\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tThis is the age at which you may claim full, unreduced Social Security benefits. A lot of people think of age 62 when they think of Social Security, but if you claim your Social Security benefit at 62, it will be permanently reduced by 25% or more. To get your full benefit you must wait until full retirement age to claim it. If you were born between 1943 and 1954, your full retirement age is 66. If you were born in 1960 or later, your full retirement age is 67.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e444fa9 e-flex e-con-boxed e-con e-child\" data-id=\"e444fa9\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;content_width&quot;:&quot;boxed&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d0674ff birth-table elementor-widget elementor-widget-jet-table\" data-id=\"d0674ff\" data-element_type=\"widget\" data-widget_type=\"jet-table.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-jet-table jet-elements\">\n\t\t<div class=\"jet-table-wrapper\">\n\t\t\t<table class=\"jet-table jet-table--fa5-compat\">\n\t\t\t\t<thead class=\"jet-table__head\"><tr class=\"jet-table__head-row\"><th class=\"jet-table__cell elementor-repeater-item-645cae9 jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Year of Birth<\/div><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-a53012d jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Full Retirement Age<\/div><\/div><\/div><\/th><\/tr><\/thead>\n\t\t\t\t\t\t\t\t<tbody class=\"jet-table__body\"><tr class=\"jet-table__body-row elementor-repeater-item-2b6e431\"><td class=\"jet-table__cell elementor-repeater-item-c6f029b jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">1943-54<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-01c8972 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">66<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-a13a17e\"><td class=\"jet-table__cell elementor-repeater-item-9db9b80 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">1955<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-8aaf588 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">66 and 2 months<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-4bd28df\"><td class=\"jet-table__cell elementor-repeater-item-af01a12 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">1956<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-49b5cb7 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">66 and 4 months<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-d399b57\"><td class=\"jet-table__cell elementor-repeater-item-296e8e9 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">1957<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-693176b jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">66 and 6 months<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-2f715e4\"><td class=\"jet-table__cell elementor-repeater-item-04cb248 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">1958<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-23527c6 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">66 and 8 months<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-b4152c7\"><td class=\"jet-table__cell elementor-repeater-item-5f1b57f jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">1959<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-8a746d5 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">66 and 10 months<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-9e115a6\"><td class=\"jet-table__cell elementor-repeater-item-d37b1b7 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">1960 and later<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-1a2b2d4 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">67<\/div><\/div><\/div><\/td><\/tr><\/tbody>\n\t\t\t<\/table>\n\t\t<\/div>\n\n\t\t<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7fbcb7e elementor-position-left elementor-widget__width-initial services-blurb elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"7fbcb7e\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img fetchpriority=\"high\" decoding=\"async\" width=\"260\" height=\"260\" src=\"https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3811.jpg\" class=\"attachment-full size-full wp-image-1498\" alt=\"\" srcset=\"https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3811.jpg 260w, https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3811-150x150.jpg 150w\" sizes=\"(max-width: 260px) 100vw, 260px\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Primary Insurance Amount (PIA)<\/h3><p class=\"elementor-image-box-description\">Your benefit is based on your work history. The system uses your highest 35 years of earnings to calculate your benefit. The higher those earnings are, up to the annual Social Security taxable maximum, the higher your benefit will be.<\/p><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e63a21e elementor-widget elementor-widget-image\" data-id=\"e63a21e\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1575\" height=\"732\" src=\"https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/ch.png\" class=\"attachment-full size-full wp-image-1499\" alt=\"\" srcset=\"https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/ch.png 1575w, https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/ch-300x139.png 300w, https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/ch-1024x476.png 1024w, https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/ch-768x357.png 768w, https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/ch-1536x714.png 1536w\" sizes=\"(max-width: 1575px) 100vw, 1575px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6539c87 elementor-position-left elementor-widget__width-initial services-blurb elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"6539c87\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"260\" height=\"260\" src=\"https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3812.jpg\" class=\"attachment-full size-full wp-image-1500\" alt=\"\" srcset=\"https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3812.jpg 260w, https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3812-150x150.jpg 150w\" sizes=\"(max-width: 260px) 100vw, 260px\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Estimate benefits<\/h3><p class=\"elementor-image-box-description\">If you are over 60, the Social Security Administration sends you an annual statement, three months before your birthday, showing the amount of benefits you may be entitled to when you retire. If you are under 60 or for any other reason want to access your statement online, you can go to www.socialsecurity.gov\/mystatement. The Social Security Administration stops generating statements for people who are already receiving some form of Social Security benefits.<\/p><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-749d55f e-con-full e-flex e-con e-child\" data-id=\"749d55f\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-0917bad e-flex e-con-boxed e-con e-child\" data-id=\"0917bad\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[],&quot;content_width&quot;:&quot;boxed&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8cd146a elementor-widget elementor-widget-heading\" data-id=\"8cd146a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Obtain your annual Social Security statement at <\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1dff35a elementor-widget elementor-widget-button\" data-id=\"1dff35a\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"http:\/\/www.socialsecurity.gov\/myaccount\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">www.socialsecurity.gov\/myaccount<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d600aec e-flex e-con-boxed e-con e-child\" data-id=\"d600aec\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[],&quot;content_width&quot;:&quot;boxed&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f41b291 elementor-widget elementor-widget-heading\" data-id=\"f41b291\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Go to<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3aa285b elementor-widget elementor-widget-button\" data-id=\"3aa285b\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"http:\/\/www.socialsecurity.gov\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">www.socialsecurity.gov<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b547a5b elementor-widget elementor-widget-text-editor\" data-id=\"b547a5b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tclick on \u201cRetirement Estimator\u201d\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div><div id=\"jet-tabs-content-1082\" class=\"jet-tabs__content \" data-tab=\"2\" role=\"tabpanel\" aria-hidden=\"true\" data-template-id=\"1510\">\t\t<div data-elementor-type=\"section\" data-elementor-id=\"1510\" class=\"elementor elementor-1510\" data-elementor-post-type=\"elementor_library\">\n\t\t\t<div class=\"elementor-element elementor-element-c934795 e-con-full e-flex e-con e-parent\" data-id=\"c934795\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;,&quot;jet_parallax_layout_list&quot;:[]}\" data-core-v316-plus=\"true\">\n\t\t<div class=\"elementor-element elementor-element-c070f5e e-con-full e-flex e-con e-child\" data-id=\"c070f5e\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-cba0960 e-flex e-con-boxed e-con e-child\" data-id=\"cba0960\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;content_width&quot;:&quot;boxed&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-fd3572e e-flex e-con-boxed e-con e-child\" data-id=\"fd3572e\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;content_width&quot;:&quot;boxed&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2f515d2 elementor-widget elementor-widget-heading\" data-id=\"2f515d2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Full Retirement Age (FRA)<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-233e6af elementor-position-left elementor-widget__width-inherit services-blurb elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"233e6af\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"260\" height=\"260\" src=\"https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3813.jpg\" class=\"attachment-full size-full wp-image-1513\" alt=\"\" srcset=\"https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3813.jpg 260w, https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3813-150x150.jpg 150w\" sizes=\"(max-width: 260px) 100vw, 260px\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">When to apply<\/h3><p class=\"elementor-image-box-description\">Very complex and really requires a customized analysis. But here are a few points to remember.\nIf you apply early, your benefit starts out at some fraction of your PIA (Primary Insurance Amount) _ and remains at that percentage for the rest of your life. Your benefit amount is locked in at the time you apply, and only goes up with annual COLAs (Cost of Living Adjustments).<br>\nCOLAs (Cost of Living Adjustments) magnify the impact of early or delayed retirement because the annual cost-of-living adjustment is applied to either the lower or higher amount. This causes the disparity to increase with each passing year.<br>\nThe \"when to apply\" question impacts survivor benefits as well. In fact, if your spouse earned more than you did so that their PIA (Primary Insurance Amount) is higher than yours, it is even more important for him to delay filing. This will increase your survivor benefit. If they pass away first, their higher benefit will transfer over to you. So you want to do whatever it takes to maximize that survivor benefit. The way to do that is to have him apply for his benefit at age 70.<\/p><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bf412e5 elementor-position-left elementor-widget__width-inherit services-blurb elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"bf412e5\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"260\" height=\"260\" src=\"https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3814.jpg\" class=\"attachment-full size-full wp-image-1512\" alt=\"\" srcset=\"https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3814.jpg 260w, https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3814-150x150.jpg 150w\" sizes=\"(max-width: 260px) 100vw, 260px\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Reasons to not file before FRA<\/h3><p class=\"elementor-image-box-description\">Getting stuck with a reduced benefit is not the only reason not to file for Social Security before full retirement age (FRA).\nAnother reason is that if you are still working, some or all of your benefit may be withheld due to the earnings test. $1 in benefits will be withheld for every $2 you earn over $19,560 in 2022. Now, this is not a reason not to keep working. You're going to need those extra earnings both now and in retirement, if you're managing to save some of your income. But it is a reason not to apply for Social Security before your full retirement age. After you turn full retirement age (FRA), there is no earnings test. So you can receive your full Social Security benefit and earn as much as you want from working without any benefits being withheld.<\/p><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-22acc24 elementor-position-left elementor-widget__width-inherit services-blurb elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"22acc24\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"260\" height=\"260\" src=\"https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3815.jpg\" class=\"attachment-full size-full wp-image-1511\" alt=\"\" srcset=\"https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3815.jpg 260w, https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3815-150x150.jpg 150w\" sizes=\"(max-width: 260px) 100vw, 260px\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Apply before FRA<\/h3><p class=\"elementor-image-box-description\">If you apply for your Social Security retirement benefit before full retirement age, you will receive a percentage of your PIA (Primary Insurance Amount). The difference between $1,400 and $2,000 may not seem like very much now, but over time claiming early can make a huge difference in the amount of total benefits you receive as well as the amount of income you receive each month.<\/p><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f03a153 birth-table elementor-widget elementor-widget-jet-table\" data-id=\"f03a153\" data-element_type=\"widget\" data-widget_type=\"jet-table.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-jet-table jet-elements\">\n\t\t<div class=\"jet-table-wrapper\">\n\t\t\t<table class=\"jet-table jet-table--fa5-compat\">\n\t\t\t\t<thead class=\"jet-table__head\"><tr class=\"jet-table__head-row\"><th class=\"jet-table__cell elementor-repeater-item-645cae9 jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">apply at age<\/div><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-a53012d jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">benefit will be % of pia if fra = 67 (born in 1960 or later)<\/div><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-30bd12a jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Permanent benefit if PIA = $2,000<\/div><\/div><\/div><\/th><\/tr><\/thead>\n\t\t\t\t\t\t\t\t<tbody class=\"jet-table__body\"><tr class=\"jet-table__body-row elementor-repeater-item-2b6e431\"><td class=\"jet-table__cell elementor-repeater-item-c6f029b jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">62<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-01c8972 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">70%<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-6f1e3b3 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$1,400<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-a13a17e\"><td class=\"jet-table__cell elementor-repeater-item-9db9b80 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">63<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-8aaf588 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">75%<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-acb3714 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$1,500<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-4bd28df\"><td class=\"jet-table__cell elementor-repeater-item-af01a12 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">64<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-49b5cb7 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">80%<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-d57ebf1 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$1,600<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-d399b57\"><td class=\"jet-table__cell elementor-repeater-item-296e8e9 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">65<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-693176b jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">86.7%<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-e17f949 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$1,733<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-2f715e4\"><td class=\"jet-table__cell elementor-repeater-item-04cb248 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">66<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-23527c6 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">93.33%<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-7cb66ae jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$1,867<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-b4152c7\"><td class=\"jet-table__cell elementor-repeater-item-5f1b57f jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">67<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-8a746d5 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">100%<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-4b0d76d jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$2,000<\/div><\/div><\/div><\/td><\/tr><\/tbody>\n\t\t\t<\/table>\n\t\t<\/div>\n\n\t\t<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2b26ced elementor-position-left elementor-widget__width-inherit services-blurb elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"2b26ced\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"260\" height=\"260\" src=\"https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3816.jpg\" class=\"attachment-full size-full wp-image-1520\" alt=\"\" srcset=\"https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3816.jpg 260w, https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3816-150x150.jpg 150w\" sizes=\"(max-width: 260px) 100vw, 260px\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Apply after FRA (Full Retirement Age)<\/h3><p class=\"elementor-image-box-description\">Conversely, if you apply for Social Security after full retirement age, your benefit will go up by 8% for each year you delay. So if your full retirement age is 67 and you apply at 68, your benefit will be 108% of your PIA. At 69 it will be 116%, and at 70 it will be 124%. So if your PIA (Primary Insurance Amount) is $2,000 and you wait until age 70 to apply, your permanent benefit will be $2,480.\u00a0<\/p><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-913e360 birth-table elementor-widget elementor-widget-jet-table\" data-id=\"913e360\" data-element_type=\"widget\" data-widget_type=\"jet-table.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-jet-table jet-elements\">\n\t\t<div class=\"jet-table-wrapper\">\n\t\t\t<table class=\"jet-table jet-table--fa5-compat\">\n\t\t\t\t<thead class=\"jet-table__head\"><tr class=\"jet-table__head-row\"><th class=\"jet-table__cell elementor-repeater-item-645cae9 jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">apply at age<\/div><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-a53012d jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">benefit will be % of pia if fra = 67 (born in 1960 or later)<\/div><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-30bd12a jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Permanent benefit if PIA = $2,000<\/div><\/div><\/div><\/th><\/tr><\/thead>\n\t\t\t\t\t\t\t\t<tbody class=\"jet-table__body\"><tr class=\"jet-table__body-row elementor-repeater-item-2b6e431\"><td class=\"jet-table__cell elementor-repeater-item-c6f029b jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">67<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-01c8972 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">100%<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-6f1e3b3 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$2,000<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-a13a17e\"><td class=\"jet-table__cell elementor-repeater-item-9db9b80 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">68<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-8aaf588 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">108%<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-acb3714 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$2,160<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-4bd28df\"><td class=\"jet-table__cell elementor-repeater-item-af01a12 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">69<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-49b5cb7 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">116%<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-d57ebf1 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$2,320<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-d399b57\"><td class=\"jet-table__cell elementor-repeater-item-296e8e9 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">70<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-693176b jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">124%<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-e17f949 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$2,480<\/div><\/div><\/div><\/td><\/tr><\/tbody>\n\t\t\t<\/table>\n\t\t<\/div>\n\n\t\t<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div><div id=\"jet-tabs-content-1083\" class=\"jet-tabs__content \" data-tab=\"3\" role=\"tabpanel\" aria-hidden=\"true\" data-template-id=\"1524\">\t\t<div data-elementor-type=\"section\" data-elementor-id=\"1524\" class=\"elementor elementor-1524\" data-elementor-post-type=\"elementor_library\">\n\t\t\t<div class=\"elementor-element elementor-element-5792404 e-con-full e-flex e-con e-parent\" data-id=\"5792404\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;,&quot;jet_parallax_layout_list&quot;:[]}\" data-core-v316-plus=\"true\">\n\t\t<div class=\"elementor-element elementor-element-80962a1 e-con-full e-flex e-con e-child\" data-id=\"80962a1\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-0820d4e e-flex e-con-boxed e-con e-child\" data-id=\"0820d4e\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;content_width&quot;:&quot;boxed&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d8d1dd0 elementor-widget elementor-widget-heading\" data-id=\"d8d1dd0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Why delay benefits?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d6f0cfc elementor-widget elementor-widget-heading\" data-id=\"d6f0cfc\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Bigger checks to start<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a132638 birth-table elementor-widget elementor-widget-jet-table\" data-id=\"a132638\" data-element_type=\"widget\" data-widget_type=\"jet-table.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-jet-table jet-elements\">\n\t\t<div class=\"jet-table-wrapper\">\n\t\t\t<table class=\"jet-table jet-table--fa5-compat\">\n\t\t\t\t<thead class=\"jet-table__head\"><tr class=\"jet-table__head-row\"><th class=\"jet-table__cell elementor-repeater-item-645cae9 jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">age at which benefits are claimed<\/div><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-a53012d jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">Permanent monthly benefit if PIA= $2,000 &#038; FRA=67<\/div><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-30bd12a jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">income at age 70 with 2% annual COLA<\/div><\/div><\/div><\/th><\/tr><\/thead>\n\t\t\t\t\t\t\t\t<tbody class=\"jet-table__body\"><tr class=\"jet-table__body-row elementor-repeater-item-2b6e431\"><td class=\"jet-table__cell elementor-repeater-item-c6f029b jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">62<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-01c8972 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$1,400<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-6f1e3b3 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$1,640<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-a13a17e\"><td class=\"jet-table__cell elementor-repeater-item-9db9b80 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">63<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-8aaf588 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$1,500<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-acb3714 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$1,757<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-4bd28df\"><td class=\"jet-table__cell elementor-repeater-item-af01a12 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">64<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-49b5cb7 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$1,600<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-d57ebf1 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$1,875<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-d399b57\"><td class=\"jet-table__cell elementor-repeater-item-296e8e9 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">65<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-693176b jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$1,733<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-e17f949 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$2,031<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-2f715e4\"><td class=\"jet-table__cell elementor-repeater-item-04cb248 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">66<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-23527c6 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$1,873<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-7cb66ae jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$2,187<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-b4152c7\"><td class=\"jet-table__cell elementor-repeater-item-5f1b57f jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">67<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-8a746d5 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$2,000<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-4b0d76d jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$2,343<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-0f2f63e\"><td class=\"jet-table__cell elementor-repeater-item-203aad8 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">68<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-0f9bb2b jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$2,160<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-83aaaa6 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$2,531<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-b7a0b3c\"><td class=\"jet-table__cell elementor-repeater-item-446d2d2 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">69<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-15734d8 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$2,320<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-d5392b0 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$2,718<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-ba74cfc\"><td class=\"jet-table__cell elementor-repeater-item-d760f7c jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">70<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-587e905 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$2,480<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-83a3155 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$2,906<\/div><\/div><\/div><\/td><\/tr><\/tbody>\n\t\t\t<\/table>\n\t\t<\/div>\n\n\t\t<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d0ab4a2 elementor-widget elementor-widget-heading\" data-id=\"d0ab4a2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Bigger checks to start<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0be10e9 birth-table elementor-widget elementor-widget-jet-table\" data-id=\"0be10e9\" data-element_type=\"widget\" data-widget_type=\"jet-table.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-jet-table jet-elements\">\n\t\t<div class=\"jet-table-wrapper\">\n\t\t\t<table class=\"jet-table jet-table--fa5-compat\">\n\t\t\t\t<thead class=\"jet-table__head\"><tr class=\"jet-table__head-row\"><th class=\"jet-table__cell elementor-repeater-item-645cae9 jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">benefits at age<\/div><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-a53012d jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">if claim at 62<\/div><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-30bd12a jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">if claim at 67<\/div><\/div><\/div><\/th><th class=\"jet-table__cell elementor-repeater-item-aef4fe6 jet-table__head-cell\" scope=\"col\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">if claim at 70<\/div><\/div><\/div><\/th><\/tr><\/thead>\n\t\t\t\t\t\t\t\t<tbody class=\"jet-table__body\"><tr class=\"jet-table__body-row elementor-repeater-item-2b6e431\"><td class=\"jet-table__cell elementor-repeater-item-c6f029b jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">70<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-01c8972 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$1,640<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-6f1e3b3 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$2,122<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-d586bf1 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$2,906<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-a13a17e\"><td class=\"jet-table__cell elementor-repeater-item-9db9b80 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">75<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-8aaf588 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$1,811<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-acb3714 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$2,343<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-f459b05 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$3,208<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-4bd28df\"><td class=\"jet-table__cell elementor-repeater-item-af01a12 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">80<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-49b5cb7 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$2,000<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-d57ebf1 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$2,597<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-910a2f3 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$3,542<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-d399b57\"><td class=\"jet-table__cell elementor-repeater-item-296e8e9 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">85<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-693176b jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$2,208<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-e17f949 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$2,856<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-4a54a31 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$3,911<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-f7d2ef3\"><td class=\"jet-table__cell elementor-repeater-item-25e5d7e jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">90<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-9ba4b76 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$2,437<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-6f2bc99 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$3,154<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-08ebe7a jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$4,318<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-7434188\"><td class=\"jet-table__cell elementor-repeater-item-ea72326 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">95<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-b64ce47 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$2,691<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-188c277 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$3,482<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-659af8d jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$4,767<\/div><\/div><\/div><\/td><\/tr><tr class=\"jet-table__body-row elementor-repeater-item-d3ecd9a\"><td class=\"jet-table__cell elementor-repeater-item-93f3269 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">100<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-809e98c jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$2,971<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-2cff4d6 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$3,844<\/div><\/div><\/div><\/td><td class=\"jet-table__cell elementor-repeater-item-d1fd827 jet-table__body-cell\"><div class=\"jet-table__cell-inner\"><div class=\"jet-table__cell-content\"><div class=\"jet-table__cell-text\">$5,263<\/div><\/div><\/div><\/td><\/tr><\/tbody>\n\t\t\t<\/table>\n\t\t<\/div>\n\n\t\t<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-34f907c elementor-widget elementor-widget-text-editor\" data-id=\"34f907c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tAnd here we see how wide the disparity has grown. When you&#8217;re 85 years old, your monthly income will be $2,208 if you apply for Social Security at age 62, or $3,911 if you apply at 70. This can make a huge difference in your standard of living! These amounts in the third column may seem high to you now, but they won&#8217;t seem high when a loaf of bread costs $15. Keep in mind that these numbers are based on annual 2% inflation adjustments. The actual inflation adjustments could turn out to be different.\u00a0\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div><div id=\"jet-tabs-content-1084\" class=\"jet-tabs__content \" data-tab=\"4\" role=\"tabpanel\" aria-hidden=\"true\" data-template-id=\"1532\">\t\t<div data-elementor-type=\"section\" data-elementor-id=\"1532\" class=\"elementor elementor-1532\" data-elementor-post-type=\"elementor_library\">\n\t\t\t<div class=\"elementor-element elementor-element-5a55f0c e-con-full e-flex e-con e-parent\" data-id=\"5a55f0c\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;,&quot;jet_parallax_layout_list&quot;:[]}\" data-core-v316-plus=\"true\">\n\t\t<div class=\"elementor-element elementor-element-7b01f16 e-con-full e-flex e-con e-child\" data-id=\"7b01f16\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-bd2c323 e-flex e-con-boxed e-con e-child\" data-id=\"bd2c323\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;content_width&quot;:&quot;boxed&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8c44e83 elementor-widget elementor-widget-heading\" data-id=\"8c44e83\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Options<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-891ae56 e-con-full e-flex e-con e-child\" data-id=\"891ae56\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-861f582 e-flex e-con-boxed e-con e-child\" data-id=\"861f582\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[],&quot;content_width&quot;:&quot;boxed&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-29bf055 elementor-widget elementor-widget-heading\" data-id=\"29bf055\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Spousal Benefits<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-356dad5 elementor-widget elementor-widget-text-editor\" data-id=\"356dad5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tSpousal benefit = 50% of your spouse\u2019s PIA if you apply at your full retirement age.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b3c910b elementor-widget elementor-widget-button\" data-id=\"b3c910b\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/get-in-touch\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Your spouse must have filed for their benefit.<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2b511e0 elementor-position-left elementor-widget__width-inherit services-blurb elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"2b511e0\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"260\" height=\"260\" src=\"https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3817.jpg\" class=\"attachment-full size-full wp-image-1541\" alt=\"\" srcset=\"https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3817.jpg 260w, https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3817-150x150.jpg 150w\" sizes=\"(max-width: 260px) 100vw, 260px\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Divorced Spousal Benefits<\/h3><p class=\"elementor-image-box-description\">If your marriage lasted at least 10 years\u2026if you are currently unmarried\u2026and if your ex-spouse is at least 62, you may be entitled to a divorced-spouse benefit. If the divorce occurred more than 2 years ago, he does not need to have filed for his own benefit. He only needs to be 62.<\/p><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9466368 elementor-position-left elementor-widget__width-inherit services-blurb elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"9466368\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"260\" height=\"260\" src=\"https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3818.jpg\" class=\"attachment-full size-full wp-image-1540\" alt=\"\" srcset=\"https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3818.jpg 260w, https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3818-150x150.jpg 150w\" sizes=\"(max-width: 260px) 100vw, 260px\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Survivor Benefits<\/h3><p class=\"elementor-image-box-description\">Survivor benefits can be claimed as early as age 60, or 50 if you are disabled. But remember that if you claim at 60, the amount will be reduced. So young widows shouldn't automatically file for their survivor benefit as soon as they turn 60. You need to analyze all of your Social Security claiming options before deciding when to file.\nTo qualify for a survivor benefit you must have been married to the person who died. Living together doesn't count. If he died during the marriage, you only need to have been married for 9 months. If he died after you divorced, that marriage must have lasted at least 10 years. By the way, same-sex couples can now get Social Security benefits if they are or were legally married.<\/p><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3363c05 elementor-position-left elementor-widget__width-inherit services-blurb elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"3363c05\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"260\" height=\"260\" src=\"https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3819.jpg\" class=\"attachment-full size-full wp-image-1539\" alt=\"\" srcset=\"https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3819.jpg 260w, https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3819-150x150.jpg 150w\" sizes=\"(max-width: 260px) 100vw, 260px\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Taxes<\/h3><p class=\"elementor-image-box-description\">Social Security is generally taxable at the federal level and may partially be taxable at the state level. But, if Social Security is your only source of income, generally it will not be taxable. To determine if your Social Security income may be taxed, we want to combine \u00bd of your Social Security Benefits with other income sources. This gives us the following formula:\nCombined Income = Adjusted Gross Income (AGI) + Nontaxable Amount + \u00bd Social Security income\nIf your combined income is higher than IRS limits within the tax year, your Social Security income is taxable. However, you will never pay taxes on more than 85% of your Social Security Income.\u00a0<\/p><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ee5c19 elementor-position-left elementor-widget__width-inherit services-blurb elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"3ee5c19\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"260\" height=\"260\" src=\"https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3821.jpg\" class=\"attachment-full size-full wp-image-1538\" alt=\"\" srcset=\"https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3821.jpg 260w, https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3821-150x150.jpg 150w\" sizes=\"(max-width: 260px) 100vw, 260px\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Quality of Life vs Maximized Benefits<\/h3><p class=\"elementor-image-box-description\">A consideration most overlooked is quality of life when discussing maximizing Social Security benefits. Whether that be poor health, having an early retirement, other income sources or even wanting to make sure a spouse receives higher benefits. These are all factors to consider when evaluating how you envision your retirement \u2013 for some that can mean taking Social Security earlier and for others taking it later.\u00a0<\/p><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e07118c elementor-position-left elementor-widget__width-inherit services-blurb elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"e07118c\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"260\" height=\"260\" src=\"https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3822.jpg\" class=\"attachment-full size-full wp-image-1537\" alt=\"\" srcset=\"https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3822.jpg 260w, https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3822-150x150.jpg 150w\" sizes=\"(max-width: 260px) 100vw, 260px\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Closing<\/h3><p class=\"elementor-image-box-description\">Most importantly, Social Security decisions should not be made in isolation. Social Security alone is not enough income for most people. Social Security decisions should be made within the context of your overall retirement income strategy.<\/p><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2a60e18 elementor-widget elementor-widget-text-editor\" data-id=\"2a60e18\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tNot endorsed by or affiliated with the Social Security Administration or any U.S. government agency.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ad39009 e-flex e-con-boxed e-con e-parent\" data-id=\"ad39009\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-77316ce elementor-widget elementor-widget-template\" data-id=\"77316ce\" data-element_type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"4809\" class=\"elementor elementor-4809\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-aee4872 footer-form-container e-flex e-con-boxed e-con e-child\" data-id=\"aee4872\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[],&quot;content_width&quot;:&quot;boxed&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6376e72 e-con-full e-flex e-con e-child\" data-id=\"6376e72\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[],&quot;content_width&quot;:&quot;full&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-25f99b7 e-con-full e-flex e-con e-child\" data-id=\"25f99b7\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-6985e02 e-con-full e-flex e-con e-child\" data-id=\"6985e02\" data-element_type=\"container\" id=\"contact_form\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-056d6ab elementor-widget elementor-widget-heading\" data-id=\"056d6ab\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Ready to talk? <\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-957060d home-contact-form elementor-button-align-stretch elementor-widget elementor-widget-form\" data-id=\"957060d\" data-element_type=\"widget\" data-settings=\"{&quot;button_width&quot;:&quot;33&quot;,&quot;step_next_label&quot;:&quot;Next&quot;,&quot;step_previous_label&quot;:&quot;Previous&quot;,&quot;button_width_tablet&quot;:&quot;100&quot;,&quot;step_type&quot;:&quot;number_text&quot;,&quot;step_icon_shape&quot;:&quot;circle&quot;}\" data-widget_type=\"form.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor-pro - v3.19.0 - 26-02-2024 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xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M571 393Q571 407 561 418L311 668Q300 679 286 679T261 668L11 418Q0 407 0 393T11 368 36 357H536Q550 357 561 368T571 393Z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t\t<select name=\"form_fields[field_b3a0a6c]\" id=\"form-field-field_b3a0a6c\" class=\"elementor-field-textual elementor-size-md\">\n\t\t\t\t\t\t\t\t\t<option value=\"What service are you interested in?\">What service are you interested in?<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Wealth Management\">Wealth Management<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Investment Planning\">Investment Planning<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Tax Planning\">Tax Planning<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Income Planning\">Income Planning<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Healthcare Planning\">Healthcare Planning<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Medicare\">Medicare<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Retirement Advice\">Retirement 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elementor-button-icon\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">get back to me<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/form>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ba7b442 e-con-full calendly-wrap e-flex e-con e-child\" data-id=\"ba7b442\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;content_width&quot;:&quot;full&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-8a1c8a5 e-flex e-con-boxed e-con e-child\" data-id=\"8a1c8a5\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;content_width&quot;:&quot;boxed&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-94ef93d e-con-full e-flex e-con e-child\" data-id=\"94ef93d\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;content_width&quot;:&quot;full&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-04c3fc8 elementor-widget elementor-widget-heading\" data-id=\"04c3fc8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Nancy Ouellette<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-89e4dee e-flex e-con-boxed e-con e-child\" data-id=\"89e4dee\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;content_width&quot;:&quot;boxed&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c8c5668 elementor-widget elementor-widget-text-editor\" data-id=\"c8c5668\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>a year ago<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e902569 elementor-widget elementor-widget-image\" data-id=\"e902569\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"106\" height=\"15\" src=\"https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2024\/02\/Group-11.png\" class=\"attachment-large size-large wp-image-6491\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c23560 elementor-widget elementor-widget-image\" data-id=\"7c23560\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"49\" height=\"49\" src=\"https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2024\/02\/Group-159.png\" class=\"attachment-large size-large wp-image-6490\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-13c908e elementor-widget elementor-widget-text-editor\" data-id=\"13c908e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tWe have been working with Ben Fuchs for about 5 years now and we are very happy with the results. Ben\u2019s knowledge and experience has improved our investments immensely. <span>Ben knows the tax laws and invests to optimize our retirement funds.<\/span> Working the Fuchs Financial team has been a pleasure. We have and continue to highly recommend the Fuchs Financial team to family and friends.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-30d4df8 e-flex e-con-boxed e-con e-parent\" data-id=\"30d4df8\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d41ae17 elementor-widget elementor-widget-html\" data-id=\"d41ae17\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<!-- GA4 Code DO NOT DELETE (EF) -->\n<!-- Google tag (gtag.js) -->\n<script async src=\"https:\/\/www.googletagmanager.com\/gtag\/js?id=G-5VG09FVXGM\"><\/script>\n<script>\n  window.dataLayer = window.dataLayer || [];\n  function gtag(){dataLayer.push(arguments);}\n  gtag('js', new Date());\n\n  gtag('config', 'G-5VG09FVXGM');\n<\/script>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Maximizing the benefits you are entitled to Social Security How do you know when to claim Social Security? Maximizing your benefit will depend on a few factors but below we will touch on the following: Review of Social Security Analyzing the different options available Taxation of Benefits Quality of life vs Maximized benefits Full Retirement [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Social Security Planning For Retirement | Fuchs Financial<\/title>\n<meta name=\"description\" content=\"Navigate Social Security with confidence. Fuchs Financial offers expert guidance on maximizing your benefits for a secure retirement.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fuchsfinancial.com\/social-security\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Social Security Planning For Retirement | Fuchs Financial\" \/>\n<meta property=\"og:description\" content=\"Navigate Social Security with confidence. Fuchs Financial offers expert guidance on maximizing your benefits for a secure retirement.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fuchsfinancial.com\/social-security\/\" \/>\n<meta property=\"og:site_name\" content=\"Fuchs Financial\" \/>\n<meta property=\"article:modified_time\" content=\"2024-02-13T05:02:50+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fuchsfinancial.com\/wp-content\/uploads\/2023\/12\/Rectangle-3811.jpg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"37 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.fuchsfinancial.com\/social-security\/\",\"url\":\"https:\/\/www.fuchsfinancial.com\/social-security\/\",\"name\":\"Social Security Planning For Retirement | Fuchs Financial\",\"isPartOf\":{\"@id\":\"https:\/\/www.fuchsfinancial.com\/#website\"},\"datePublished\":\"2023-12-15T10:28:43+00:00\",\"dateModified\":\"2024-02-13T05:02:50+00:00\",\"description\":\"Navigate Social Security with confidence. 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