Advisors also recommend delaying the benefits until your full retirement age, so you can maximize the amount you collect, something more Americans are doing in part because they are waiting longer to retire. “Since most people will need to rely on Social Security either in part or in full to survive in retirement, we recommend that you delay your retirement benefits as long as possible,” said John Fowler, a financial planner in Keller, Texas.

‘“Social Insecurity: Many Expect No Retirement Cash.” CNBC. N.p., 23 May 2015. Web. 02 Feb. 2016.

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