When should I start to take Social Security benefits?

When should I start to take Social Security benefits?

Q. I’m looking to retire this year and I want to make an informed decision on when to apply for Social Security benefits once I reach age 62. As I understand, there is a penalty on the amount one would receive if he starts at age 62 versus the full retirement age. How does this work? I was born in 1961.

— Still working

A. Yours is an excellent question.Social Security is one of the most important retirement benefits out there, especially in a time that many of us do not have pension plans.In times like these, it’s easy to see […]

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