I think there is more to deciding when to file for SS income than just the maximum benefit. I need to coordinate SS benefit with regular IRA and Roth IRA withdrawals, and portfolio income (not that big, about $700,000) plus a rental unit that produces about $1,000 per month. I'd like to avoid as much taxes as possible. Any recommendations for how to optimize for the total portfolio?

Hi,

My expertise is limited to Social Security benefits, so I'm unable to give you advice on managing your financial portfolio. You're absolutely correct, though, about there being more to deciding when to file for Social Security than just the maximum benefit.

It sounds like may want to consider using our Maxifi program for help with managing your portfolio. Maxifi is a full-featured software program that incorporates all of your financial data, including Social Security benefits, to create a highly detailed lifetime financial plan. For more information on the Maxifi program, go to the following link: https://maxifiplanner.com/how-it-works.

Best, Jerry