(Yahoo!Finance) You'd think claiming Social Security would be a simple retirement decision—you retire and you start your benefits. But there are certain complex strategies that can help pad a married couple's retirement savings with tens of thousands of dollars of additional income.
Don't make your claiming decision lightly, said Joe Elsasser, an Omaha, Neb., certified financial planner and creator of Social Security Timing, a software program for pre-retirees and advisers to run scenarios to assess strategies.
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"It's a decision that's going to impact you for your entire life, and it's a decision that's going to make up a substantial portion of your income," he said.