When Should I Collect Social Security?


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When Should I Collect Social Security?

Welcome to the Wealth Curve Talk Podcast, in which John Smallwood, a certified financial planner, identifies key areas of pressure on your wealth and strategizes with you to reduce it.

In this episode, John gives insights on how to apply social security benefits when creating a retirement plan. He explains that there is more to social security than most of us are aware of. John provides examples to show us why when asking “When should I collect social security”, the decision for collecting or deferring these benefits may have huge implications.

John has lectured extensively on financial planning and is the author of 5 Ways Your Wealth is Under Attack and It’s Your Wealth – Keep It.

The key takeaways are:

  • More and more baby boomers need to decide on their social security benefits as part of their retirement plan. How and when to start collecting has huge implications on their lifestyle.
  • Conventional wisdom about social security is often misleading and does not apply to everyone. Understanding your unique situation is the essential for getting the most from your social security benefits.
  • You can collect $24,000 of social security at age 62, $33,000 at age 66 or $42,000 at age 70. How do you determine when is a good time? John has a few tips on that.


  • John provides examples explaining why one might collect or defer social security benefits and how this may impact one’s retirement plan.

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