PT  - JOURNAL ARTICLE
AU  - Arnold, Tom
AU  - Earl, John H.
AU  - Nixon, Terry D.
TI  - Social Security Decisions: Should Recipients Opt for Early Payments?
AID  - 10.3905/jwm.2023.1.196
DP  - 2023 Jan 31
TA  - The Journal of Wealth Management
PG  - 8--16
VI  - 25
IP  - 4
4099  - http://jwm.pm-research.com/content/25/4/8.short
4100  - http://jwm.pm-research.com/content/25/4/8.full
AB  - 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.