Wondering when to start Social Security—62, full retirement age, or 70? In this Retire & Thrive episode, Kamie and Dan break down the essentials: how Social Security works, the claiming window (62–70), the FRA reduction (~7%/yr early), delayed credits (~8%/yr after FRA to 70), how health, other income, and taxes shape the decision, survivor benefits for spouses, and the earnings test if you work before full retirement age. This is Lesson 5 from the Retire & Thrive framework: Navigating Social Security. Use it to avoid the most common mistakes and make a confident plan.Disclaimer: Fortress Financial Group, LLC, is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Fortress and its representatives are properly licensed or exempt for licensure. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All indices are unmanaged and may not be invested into directly. Investing involves risk, including loss of principal. Diversification does not guarantee a profit or protect against a loss in declining markets. Each client’s portfolio strategy is tailored based on their individual goals, risk tolerance, and time horizon, and may not be suitable for all investors. Kamie Roesler is not affiliated with, employed by, or compensated by Fortress Financial Group. Her participation in this video series is entirely voluntary, and she has not received any form of payment or other inducement for her involvement. The viewpoints and opinions expressed by Kamie Roesler are solely her own and do not necessarily reflect those of Fortress Financial Group.

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