Social Security isn’t a one-size-fits-all decision—and the wrong move can echo for decades. In this episode, Steve Standley and guest Heather Schreiber break down why timing, tax strategy, and survivor benefits matter so much for your retirement paycheck. Learn how rules of thumb can mislead, why proactive planning beats DIY, and how Medicare’s “Aunt Irma” surcharge can surprise even savvy retirees. Discover the real risks of longevity, the importance of sharing financial details with loved ones, and why working with experienced advisors helps you avoid costly mistakes.

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