Social Security might be one of the biggest financial decisions you'll ever make, and it's rarely as simple as "take it early" or "wait until 70." Nick is joined by Eric Hogarth, CFPⓇ and senior partner at Johnson Brunetti, to walk through how filing decisions affect income, taxes, and long-term retirement confidence. With hundreds of potential filing combinations and real consequences for spouses and families, this is not a decision to guess on.

Here's what we discuss in this episode:

💍 Spousal Benefits: Half of primary benefit

🛡 Survivor Rules: Larger benefit continues

💰 Tax Planning: Managing retirement taxation

🏢 Working While Collecting: Income limits and FICA

📬 Mailbag Q&A: Pension and Medicare questions

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