Social Security Strategies for Couples: Timing Decisions Worth $100,000+

Get your customized planning started by scheduling a no-cost discovery call: Social Security is often treated as a simple decision — pick an age and file. But for couples, it is much more than that. In this episode, Tyler Emrick, CFP®, CFA®, explains how Social Security decisions should be coordinated between spouses and why the timing of those decisions can impact your retirement income by $100,000 or more. With growing concerns around system changes and long-term funding, making the right decision matters more than ever. Tyler covers: The three types of Social Security benefits couples need to understand Why the higher earner’s decision has the biggest long-term impact How to coordinate timing between spouses Key considerations like working while claiming and the earnings test Have questions? Need help making sure your investments and retirement plan are on track? Click to schedule a free 20-minute call with one of True Wealth's CFP® Professionals.

You can listen to Social Security Strategies for Couples: Timing Decisions Worth $100,000+ online on Radio and Podcast. Open the player on this page to stream the available audio.

Social Security Strategies for Couples: Timing Decisions Worth $100,000+ is an episode from Retire Smarter by Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®.

This episode is 20:22 long.

This episode was published on Mar 19, 2026.

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