Ask Larry

Maximize My Social Security

Can We Meet With An Advisor?

I am turning 70 on 03/24/2020. Waited to max out my benefits. When should I apply ?
My wife turns 62 on 10/21/2019 and is retiring 11/01/2019. She has been the main breadwinner, I have been retired since I turned 66.She wants to take her social security then. I would like her to wait until she turns 67, but she does not want to wait. Can she get spousal social security till she turns 67 ?
Can we meet with an advisor ? We are not great on computer programs.
Thank you.


Saturday, October 5, 2019 - 17:48

Is There A Matrix Or Checklist Available To Help People Make The Right Claiming Decision?

Larry, I'm trying to help a client who is currently receiving her deceased husbands social security. She wants to know when and if it would be beneficial to start claiming her benefits.

I'm not sure what questions to ask her but want to help her make the best decision ?
Thanks so much for your help and is there matrix or checklist to take client's through as a way of making sure they make the right decision ?


Monday, November 12, 2018 - 15:52

Do You Provide A Personalized Consultation Option?

Hello Larry,

I've been "on board," with your invaluable counsel, at first via your book and shortly thereafter, your software, which I purchased in mid-November of 2015 and have subsequently renewed. I am presently at a key decision making crossroads as to pulling the trigger on my S.S. benefits: I am about to turn 66 this week (DOB: 2/9/51). At the same time, my spousal and dependent situation is quite idiosyncratic:

Tuesday, February 7, 2017 - 10:00

Why Did Maximum Benefits Go Down?

I plan to retire @ 70 next year (2017) and have found that my maximum monthly benefit has been decreased in 2016 (Newsmax or BBC article following) Will there also be a decrease in 2017? I am struggling to wait the 4 extra years only to see my maximum benefit decreasing. Do you know about this change?

Friday, September 9, 2016 - 11:45

Filing Strategy in MaximizeMySocialSecurity after the Bipartisan Budget Act of 2015

Thank you for your response. Attached please find the software results we ran on 15Nov2015... after the model had been updated.
The report recommends I file for "spousal benefits" after my wife files a FRA. Then, she files for "spousal benefits" when I reach 70. As I understand the outcome, it is essentially the same thing as filing and suspending, without calling it that. And, interestingly the final Social Security payout yielded the same numbers (exactly) as our previous file & suspend scenarios run about 3 years before.

Friday, July 29, 2016 - 20:15

How Can I Purchase Your Software

Hi Larry, No specific question --I just love reading your column - and just found this new site -
I would like to order my own Maximize My Social Security --
can your team help and send me a link??
many thanks, -

Dear Enes,

Really happy you like my column. Please just click Purchase on our site ( and the purchase the $40 household version of the program.

My best, Larry

Saturday, July 16, 2016 - 22:00
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