The Social Security Timing Worksheet for Couples
A simple way to find your optimal claiming age together.
When you claim Social Security can change your lifetime benefit by a significant amount, and for married couples the two decisions interact. This free worksheet helps you and your spouse weigh the tradeoffs of claiming early, at full retirement age, or at 70, based on your own situation. Enter your details to get your free copy.
What you will learn
- How your benefit changes at different claiming ages.
- The factors that should drive your decision: health, income needs, spouse, and taxes.
- How married couples can coordinate two benefits for a better combined result.
- Why survivor benefits matter more than many people realize.
- How your claiming choice affects withdrawals from your other accounts.
Why this matters now
Social Security is one of the most valuable assets most retirees own, and the claiming decision is largely irreversible. Making it on purpose, rather than by default or out of fear, can mean a meaningfully larger lifetime benefit. This worksheet helps you approach the decision deliberately.
Who this is for
This guide is written for individuals and couples ages 55 to 70 who want to keep more of what they have built. It is produced by Kraus Capital, an independent, fee-based fiduciary firm led by Brian Kraus, a CERTIFIED FINANCIAL PLANNER™ professional with more than 25 years of experience.
Related reading
Want to go deeper before you book? Start here:
After you download
Once you have the guide, the natural next step is to see how it applies to your own situation. A free assessment takes about 15 minutes, costs nothing, and carries no obligation.
Questions? Call us at 210.224.1600.