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Social Security and Retirement: Do You Know the Right Time to File?

Since 1935, Social Security has been one of the pillars of retirement income, serving as the primary source of income for half of Americans over the age of 65. In many ways, it can be regarded as a government-run retirement account for those who have put a portion of their paycheck toward the program throughout their working life.

When you retire, your income may cease but your need for income doesn’t. Finding other sources of revenue that can replace your old salary is often the biggest challenge of retirement planning, which makes getting the most out of your Social Security benefit even more important.

The significance of maximizing your Social Security benefit can’t be overstated – the difference can literally be thousands of dollars for some people. It’s also worth noting that a married couple has more than 8,000 different filing possibilities, and there are more than 2,700 rules that govern the program’s payouts.

There is no one-size-fits-all rule when it comes to Social Security, and determining when to file is not a decision that should be taken lightly.

At American Financial Investments LLC, we are dedicated to providing you with personalized financial solutions and making sure that your plans can provide for you down the road. We are committed to analyzing your unique situation against every possible combination of filing strategies and coming up with a plan tailored to you.

Although deciding when to file can be stressful, it doesn’t have to be. When you work with the right financial professional, he or she can offer different strategies that will help you maximize your benefits based on your marital status, age, earnings, financial needs and other considerations.

Ultimately, when it comes to retirement income, every penny counts. Every dollar you increase your Social Security benefit by is one less dollar that has to be pulled from your personal savings down the road. Taking time to work with a qualified financial professional and understand Social Security and the

strategies surrounding it can help you make the most of your benefit and maximize your retirement income plan. QCBN

By Ronald Stevenson and Barbara Clark Stevenson


American Financial Investments LLC and American Financial Security, LLC are not affiliated with or endorsed by the Social Security Administration or any government agency.

All written content is for information purposes only. It is not intended to provide any tax or legal advice or provide the basis for any financial decisions. Opinions expressed herein are solely those of American Financial Investments LLC and our editorial staff. Material presented is believed to be from reliable sources; however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed in detail with your individual adviser or qualified professional before making any financial decisions.


About the Authors: Ronald F. Stevenson & Barbara Clark Stevenson own American Financial Security, LLC. They specialize in Retirement Income Planning, Social Security Maximization, Tax Free Income Design, Personal & Corporate Tax Preparation and Planning. For more information, call 928-771-8368 or visit, 3112 Clearwater Dr., Suite B, Prescott, AZ 86305





Ronald F. Stevenson offers Advisory services through American Financial Investments LLC a Registered Investment Advisor in Arizona.

Insurance products and services are offered through American Financial Security, LLC.

American Financial Investments LLC and American Financial Security, LLC are affiliated companies.




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