5 keys to your Social Security benefits strategy Knowing full retirement age is a key to developing a claiming strategy that will enable pre-retirees to maximize Social Security benefit, according to this article on Kiplinger. Married couples should also coordinate their claims and determine whether they still qualify to "file and suspend" under the old rules to get the maximum benefits possible. Those who expect to live longer should consider delaying their benefits, while couples are better off having the lower-earning spouse file earlier and the spouse with bigger earnings delay his or her own retirement benefit.

What to consider with ‘55-plus’ living Pre-retirees who contemplate on moving to a 55-plus community in retirement should determine whether the community's amenities and setup support the kind of lifestyle they prefer, writes an expert on The Wall Street Journal. They are also advised to account for other factors, such as the community's housing designs, health care and transportation, as well as demographics. Pre-retirees who consider living in this type of community should also check its financial standing and its effectiveness and consistency in implementing their rules.

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