Social Security is dauntingly complex. It gets more so if you are divorced and remarried. How can you navigate these shoals? For answers, we turn to one of the top experts on the subject, AdviceIQ Network member Jim Blankenship, an independent, fee-only financial planner at Blankenship Financial Planning in New Berlin, Ill. His advice:

Social Security has a way of making your life decisions difficult. When divorce and remarriage enter the picture, things get very complicated.

The earliest age you can start claiming Social Security benefits is 62. You can also delay taking benefits to any age. If you wait until your full retirement age, which is 66 for the current crop of baby boomers, you receive a larger benefit. If you can get by without the monthly benefits for a few years longer, delaying further to 70 results in a maximized benefit for you.


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