RT Journal Article SR Electronic T1 Social Security Decisions: Should Recipients Opt for Early Payments? JF The Journal of Wealth Management FD Institutional Investor Journals SP 8 OP 16 DO 10.3905/jwm.2023.1.196 VO 25 IS 4 A1 Tom Arnold A1 John H. Earl, Jr. A1 Terry D. Nixon YR 2023 UL https://pm-research.com/content/25/4/8.abstract 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.