Hi, I am 66 and plan on working till age 70 and not drawing my social security until then to maximize my benefit. My wife turns 62 soon. Can she collect a reduced benefit based on her earnings, then file for spousal benefits when I file at age 70? Thanks, Gary

Gary, if she files for an early reduced retirement benefit, she won't be deemed to have also filed for her spousal benefit if you haven't filed for your retirement benefit. However, she would not then be able to receive her full spousal benefit when she did file for it. Our software will both determine your household's maximized strategy and let you enter any number of what-if scenarios to see how they compare to the maximized strategy. Thanks, John