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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:

Social Security Optimization

Retirement Income Planning

The Legacy Blueprint

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.
Get Your Free Assessment
Questions? Call us at 210.224.1600.

Disclosures

Investment advisory services are offered through Kraus Capital, a registered investment adviser. Advisory services are only offered to clients or prospective clients where Kraus Capital and its representatives are properly licensed or exempt from licensure.

Brian Kraus is a CERTIFIED FINANCIAL PLANNER™ professional. The CFP® marks are owned by the Certified Financial Planner Board of Standards, Inc. and are used in accordance with CFP Board guidelines.

Charles Schwab serves as the independent custodian for client assets. Kraus Capital is not affiliated with, and does not receive compensation from, Charles Schwab for custodial services. No strategy assures success or protects against loss. Past performance is not a guarantee of future results. 

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