Retirement Planning/social security


I turned 63 in October 014 my husband will turn 62 in aug 2015.  if I retire can I collect under his social security  or just mine alone?

Richard E. Reyes, CFP
Richard E. Reyes, CFP  
Sandy I will let you know that first and foremost please work with a financial advisor who can take a comprehensive view of your situation and your other assets so you can build an overall plan for your retirement. I receive question after question just like yours and this is exactly why people fail at retirement. Also Social Security doesn't usually know about Social Security and are not trained to provide financial advice so please don't always take their solutions.

Since you are 63 you basically will have two choices as to what benefit you would like to receive either your benefit or your spousal benefit (not both). Either way there will be an reduction adjustment since you have not reached full retirement age of 66.

There are various claiming strategies for married couples that can increase your benefits in many cases by $30,000 to well over $200,000 depending on your situation if you plan it right.  

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Richard E. Reyes, CFP


I can provide answers to questions relating to retirement especially relating to; income distribution, tax efficiency, long-term care insurance, life insurance, estate planning, asset protection, variable and fixed annuities, alternative investments and prudent portfolio design.


Through the years Richard has built a reputation as one of Central Florida's expert on retirement income distribution by providing sound, unbiased wealth coaching. We believe that Financial Planning is the problem and Wealth Coaching is the solution. The Wealth Coaching process gives you Peace of Mind, so you can stop worrying about your future. It helps you find happiness as it guides you in the TRUTH of investing, by teaching you how to make wise choices as you journey through your life’s stages. It is all about your relationships and what you value, not your net worth.

Seminole Success Magazine “Retirement Planning” Seminole Success Magazine “Small Business Snapshot” The Orlando Sentinel – Ask the Expert Financial Section (Various) Greater Orlando Broker Agent Magazine “The New It” Senior Market Advisor “Random Reader, Random Questions”

B.S. University of Florida, Gainesville, FL
CFP Certificate, University of Central Florida, Orlando, FL

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