Age 62 is the earliest you can claim Social Security benefits, but should you? In this video, Peter with Richon Planning and Erin Kennedy talk through what you gain and what you lose when you claim your benefits before Full Retirement Age, including: Why claiming early means smaller monthly checks for life How the Earnings Test could reduce benefits if you're still working Why waiting can mean a bigger benefit... but that doesn't mean everyone should wait to claim According to Forbes, only 4% of people claim Social Security at the most "financially optimal" time. To make sure you're not part of the 96% who are missing out on what could be thousands, please call Peter at (919) 300-5886 or visit www.RichonPlanning.com to break down the trade-offs so you can make the choice that's right for you