Waiting to claim Social Security benefits until age 70 would maximize your retirement income and secure a stronger financial future. But for many retirees, it's not an option.

For anyone eyeing a 2026 retirement date, the rules around Social Security are shifting at exactly the moment decisions start ...

Claiming before your FRA will result in permanent benefit reductions. So if you file at age 66 thinking it's your FRA, you might expect to receive your full benefit amount. But if your FRA is actually ...