How to Approach Social Security in Your Retirement Plan

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When planning for retirement, Social Security is a key piece of the puzzle but not your only income source. Think about when to start benefits—delaying past your full retirement age boosts your monthly check, while claiming early locks in a smaller amount permanently. Factor in your health, life expectancy, and other savings to decide what works best. A balanced approach coordinates Social Security with pensions or 401(k) withdrawals to cover essential costs without relying on it alone.