The "SOCIAL SECURITY ELEPHANT" in the Room:

When, Why, and How Should You File?

This Complimentary Guide Will Show You Step-by-Step:

  • How your claiming age affects your monthly benefit
  • Key tax considerations to factor into your decision
  • A simple framework for deciding when to file
READ NOW
Elephant sitting on a bench facing a bright window in a minimalist room. With text: The

"This guide breaks down complex considerations and more than 2,700 Social Security claiming rules into an easy-to-follow decision flowchart."¹,²

Michael De Luz, MBA, MA, EA

Strategic Wealth and Taxes

Icon of a globe

https://strategicwealthandtaxes.com

Icon of an email

michael@strategicwealthandtaxes.com

Icon of a telephone

888-791-1031

Sources

  1. Social Security Administration, 2026 [URL: https://www.ssa.gov/OP_Home/handbook/handbook-toc.html]

  2. AMAC Foundation, 2024 [URL: https://amacfoundation.org/social-security-myths-and-misunderstandings]

Risk Disclosure: Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance does not guarantee future results.

This material is for information purposes only and is not intended as an offer or solicitation with respect to the purchase or sale of any security. The content is developed from sources believed to be providing accurate information; no warranty, expressed or implied, is made regarding accuracy, adequacy, completeness, legality, reliability, or usefulness of any information. Consult your financial professional before making any investment decision. For illustrative use only.

This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific situation with a qualified tax professional.

This information is not affiliated with or endorsed by the Social Security Administration or any government agency.

 
Michael De Luz is an Investment Advisor Representative Williams & Novak Wealth Management, dba Strategic Wealth and Taxes.  All investment advisory services are offered through Williams & Novak Wealth Management.  

Please note this message and any email received by mdeluz@wnwmllc.com is subject to review and monitoring, and will be archived for regulatory purposes. This message and any attachments (the "Message") may contain confidential, proprietary and/or privileged information and are only for their intended recipient(s). If you are not the intended recipient, you should notify mdeluz@wnwmllc.com and delete the Message. E-mail transmissions cannot be guaranteed to be secure or error-free. This Message is provided for information purposes and should not be construed as a solicitation or offer to buy or sell any securities or financial instruments, or to provide investment advice in any jurisdiction where the sender is not properly licensed or permitted to do so. This Message is subject to additional conditions and restrictions.

✕

WAIT!

Many Americans could increase lifetime retirement spending by rethinking when they claim Social Security.

But there's no one-size-fits-all answer.

Before you decide, see how to evaluate your options in this complimentary guide.

We never spam. By clicking this button, you consent to be contacted by Michael De Luz, MBA, MA, EA by phone, email, and/or automated SMS. You may unsubscribe at any time. Consent is not a condition of receiving services.

✕
Elephant sitting on a bench facing a bright window in a minimalist room. With text: The

Did you know there are more than 2,700 rules governing Social Security benefits?

This complimentary guide gives you simple answers to when, why, and how to file for Social Security.

We never spam. By clicking this button, you consent to be contacted by Michael De Luz, MBA, MA, EA by phone, email, and/or automated SMS. You may unsubscribe at any time. Consent is not a condition of receiving services.