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Personal Finance Topics / Retirement Investing
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Author: InParadise ✭  😊 😞
Number: of 667 
Subject: Re: Portfolio Diversification
Date: 02/22/2023 1:29 PM
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Some food for thought. On the old TMF board, there was discussion about the partner that would get the least SS taking it at 62, and the one that would get the most taking it at 70.5. It provided money much earlier, but also enabled the max payout for the biggest earner. Though it sounds like you may not need it at all, and could wait until 70.5. But it's another option.

Appreciated, but SS is what we consider our insurance policy and as such we are maxing it out. We are also trying to minimize income for as long as possible so that we can make taxable moves with less consequences, such as Roth conversions and realizing capital gains on long held assets at a low tax rate.

There are so many ways to do the right thing, depending on what is right for you. Thank you for raising the idea, which may come in handy for someone else reading this thread.

There are SS optimization programs that can spell out your options based on all the variables. Don't know if they charge or not, but that may be something you should look for. Most FPs have them as a "free" service.

IP
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