Social Security is a key part of retirement planning. While it can seem complex, understanding the basics can make you feel more confident in your decision and how it fits with the rest of your plan.

In this episode, we highlight a few essential factors to consider before choosing when to begin benefits.

What we cover:

✅ Full Retirement Age: How it’s calculated and why it even matters.

✅ Early vs. Delayed Benefits: What happens if you claim at 62 vs. 67 or 70.

✅ Working While Collecting: How income could reduce your S.S. benefit.

✅ Social Security Taxes: How much is taxable and does each state treat it differently?

✅ Break-Even Ages: Things to consider about longevity and health.

✅ Planning Ahead: Coordinating spousal benefits and looking at the bigger retirement picture.

Whether you’re close to retirement or just planning ahead, this video aims to help educate you so you can make more informed decisions that fit your life and goals.

𝐖𝐡𝐲 𝐰𝐞'𝐫𝐞 𝐡𝐞𝐫𝐞? We’re here to make retirement planning feel less intimidating by helping people think through their strategies and plans through clear relatable financial topics!

Disclosures:

Harborfront Financial Group is a Registered Investment Advisor registered with the Securities and Exchange Commission (SEC). Registration as an investment adviser does not imply a certain level of skill or training, and the content of this communication has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority.The information contained in this material is intended to provide general information about Harborfront Financial Group and its services. It is not intended to offer investment advice. Investment advice will only be given after a client engages our services by executing the appropriate investment services agreement. Information regarding investment products and services are provided solely to read about our investment philosophy and our strategies. You should not rely on any information provided on our web site in making investment decisions.Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Harborfront Financial Group, a Registered Investment Advisor. Harborfront Financial Group and Custer Financial Advisors are separate entities from LPL Financial.This is a hypothetical example and is not representative of any specific situation. Your results will vary. The hypothetical rates of return used do not reflect the deduction of fees and charges inherent to investing. All investing involves risk including loss of principal. No strategy assures success or protects against loss.This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor. The economic forecasts set forth in this material may not develop as predicted and there can be no guarantee that strategies promoted will be successful. All investing involves risk including loss of principal. No strategy assures success or protects against loss. Harborfront Financial Group will provide all prospective clients with a copy of our current Form ADV, Part 2A (Disclosure Brochure) prior to commencing an advisory relationship. However, at any time, you can view our current Form ADV, Part 2A at adviserinfo.sec.gov. In addition, you can contact us to request a hardcopy