Highlands Wealth Group

01/27/2026

Please think twice before starting Social Security.

You're about to turn 62.

You're itching retire.

Work isn't fun anymore.

The company just isn't what it used to be.

You think taking Social Security early is the answer...

Here is what you need to remember:
→ Full Retirement Age (FRA) is 67
→ Starting early can reduce the benefit by 30%
→ Delaying increases the benefit 8%/year up to age 70
→ Benefit is taxable if income > $32,000 (joint) / $25,000 (single)

𝘿𝙚𝙡𝙖𝙮𝙞𝙣𝙜 𝙎𝙎 𝙙𝙤𝙚𝙨𝙣'𝙩 𝙣𝙚𝙘𝙚𝙨𝙨𝙖𝙧𝙞𝙡𝙮 𝙢𝙚𝙖𝙣 𝙬𝙤𝙧𝙠𝙞𝙣𝙜 𝙡𝙤𝙣𝙜𝙚𝙧.

You need a plan that:
→ Minimizes income taxes
→ Maximizes the impact of Social Security
→ Optimizes income distributions from other savings
→ Addresses the cost of healthcare pre/post Medicare age

I have clients who:
→ Delayed till 70
→ Started at FRA
→ Took hers @ 62 / his @ 67
→ Started both at 65

The right answer is different for everybody.

DM 'SS' to discuss your plan for Social Security

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