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[quote=Anonymous][quote=Anonymous]I am not the Op, but I have a question. As the high earner, I plan to retire (and work part time?) at 60 but not collect until 70. My spouse has a much lower income, so we rethinking to have her collect at 62. When I start collecting at 70, her amount should increase thanks to the spousal support feature. I have a pension and sizable retirement savings so we plan to ride that down an bit until I hit 70. We think this might be the most tax efficient way to also maximize SS income. Any thoughts or recommendations? [/quote] I hope someone has the correct information for you - you should check before planning to do this I thought they got rid of the option for the lower earning spouse to file early on their own record at age 62 and then switch to the spousal benefit when the higher earner files. I believe that you are stuck with the first benefit you file for. So if your spouse stands to get much more if they file as your spouse, they might want to wait until you turn 70 (assuming your spouse is at retirement age and hopefully at least 65 at that point)[/quote]
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