The government doesn’t seem to make anything very easy to understand.  Social Security is no exception.  You would think you could maximize your  SS benefit by waiting until age 70 to start taking your benefits.  That is often times not the case.  You may leave too much money on the table or lose more to SS taxation.  How can you know when is the best time to file?  Can you call SS and ask?  Sadly, no.  It takes advanced software that can run all the different filing scenarios for you, and come up with your best strategy.  We have it, and we are happy to share it with you free of charge.