My wife and I are both US citizens. I am 72 and have been drawing Social Security for 8-10 years. My wife is 63 and is still working.
What should we do?

Thank you for your help.

Greg

Hi Greg,

The best strategy depends on a number of factors not listed in your question. There is a very good chance that the best strategy is for your wife to file a restricted application for spousal benefits only when she reaches age 66, then apply on her own account at age 70. However, you may wish to consider running the maximization software available on this website to be sure. The software will prompt you to enter the information needed to arrive at the best filing strategy.

Best, Jerry