Your Social Security filing decision isn’t just about you, it’s about your spouse, your survivor, and your family’s long-term income.

In this episode of That Financial Guy Show, I break down one of the most misunderstood parts of retirement planning: spousal and survivor benefits. You’ll learn:

• How spousal benefits actually work and why they’re capped at 50% of your spouse’s Full Retirement Age amount
 • How delaying your own benefit can permanently raise your spouse’s survivor benefit for life
• What divorced spouses need to know, including the 10-year rule and the remarriage age cutoff
• How recent changes in 2025 repealed the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO), increasing benefits for millions of retirees
• Smart timing strategies to coordinate Social Security with pensions, annuities, and portfolio income
• How to protect your plan from the sequence-of-returns risk in early retirement

If you’re married, divorced, or just starting to plan your retirement income, this episode will help you make smarter, more confident Social Security decisions — and maybe even boost your lifetime benefits

Helping you to be wise with your money!
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