Understanding Social Security Strategizing Social Security benefits is critically important, as benefits can be 20% - 50% of the total income for middle income, married couples. It is key to consider when you start to collect Social Security benefits. Can you delay receiving benefits or do you need to collect now? Can you wait to let your benefits grow to a larger amount or should you apply early and collect for a longer period of time?It is critical to address these questions and to calculate the benefits to know which situation is best for you. At Bartlett Wealth Management we help our clients review their options, taking into consideration their unique situations. We will review the delayed actuarial credit, survivor benefits and switch strategies, which include file and suspend and restricted application. Social Security benefits and claiming strategies can be confusing, but we will explain them carefully so you can make informed decisions and get the benefits to which you are entitled.