There are common misconceptions about Social Security benefits, particularly regarding the timing of claims and the implications of claiming early versus waiting. Jay Kirkwood of Secure Financial Management discusses the importance of understanding these benefits in the context of individual retirement planning and the challenges many face in navigating the intricacies of Medicare and Social Security.

To learn more about Jay and the team at Secure Financial Management, including their "Get Me To Retirement" 5-Step Process, go to retire210.com