Social Security Claiming: Lessons and Strategies.

Social Security claiming can be one of the most challenging financial planning decisions that a client makes. To help financial advisors better counsel their clients, we address three lessons a client should consider (choosing the Social Security annuity, separating the claiming date from the retirement date, selecting the best "free money" to pass up). Five claiming strategies that may meet a client's needs are also suggested. [ABSTRACT FROM AUTHOR]