Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
Social Security Strategies for Couples: Timing Decisions Worth $100,000+
20 minutes Posted Mar 19, 2026 at 6:13 pm.
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Social Security is often treated as a simple decision — pick an age and file. But for couples, it is much more than that.
In this episode, Tyler Emrick, CFP®, CFA®, explains how Social Security decisions should be coordinated between spouses and why the timing of those decisions can impact your retirement income by $100,000 or more.
With growing concerns around system changes and long-term funding, making the right decision matters more than ever.
Tyler covers:
The three types of Social Security benefits couples need to understand
Why the higher earner’s decision has the biggest long-term impact
How to coordinate timing between spouses
Key considerations like working while claiming and the earnings test
 
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