TY - JOUR T1 - Social Security Decisions: Should Recipients Opt for Early Payments? JF - The Journal of Wealth Management DO - 10.3905/jwm.2023.1.196 SP - jwm.2023.1.196 AU - Tom Arnold AU - John H. Earl, Jr. AU - Terry D. Nixon Y1 - 2023/01/19 UR - https://pm-research.com/content/early/2023/01/19/jwm.2023.1.196.abstract N2 - Two Excel-based templates are developed to help determine when it is optimal for starting to receive monthly social security benefits. The decision information accounts for uncertain life expectancy by implementing a rate of return that should be set, at a minimum, to the individual’s expected return on investments or based on a metric provided in the article that considers potential life expectancy. ER -