AboutThere
Recycles dryer sheets
- Joined
- Mar 31, 2016
- Messages
- 100
My sis is 60 and would like to retire at 63 or 64; however, she just had a meeting with an advisor who pressured her to wait until full retirement age. She now has it in her head that something magic happens at FRA and she is now convinced she must wait until exactly age 66 and 4 months to claim Social Security.
She understands the decrease for claiming "early" so, putting that aside - are there any other advantages/disadvantages for her to wait until FRA?
She is unmarried.
She does not plan to make more than about $5,000/year in retirement.
I'm not asking the "when should I claim SS?" question - plenty of threads on that - I'm asking for a list of all the advantages of waiting until FRA to claim, if any, for an unmarried person who doesn't plan to work in retirement.
She understands the decrease for claiming "early" so, putting that aside - are there any other advantages/disadvantages for her to wait until FRA?
She is unmarried.
She does not plan to make more than about $5,000/year in retirement.
I'm not asking the "when should I claim SS?" question - plenty of threads on that - I'm asking for a list of all the advantages of waiting until FRA to claim, if any, for an unmarried person who doesn't plan to work in retirement.
Last edited: