Social Security Timing Checklist
The Right Time to File Isn’t Just About Age, It’s About Strategy
Social Security may be one of the biggest retirement decisions you make — and one of the easiest to get wrong. The wrong filing age can shrink your benefits, increase taxes, and lock you into a decision you can’t reverse.
This free checklist from Martello Retirement & Wealth gives you a clear, actionable roadmap to time your Social Security benefits wisely and protect your long-term income. Whether you're 5 or 15 years from retirement, this tool helps you weigh your filing options, coordinate with IRAs and Medicare, and avoid costly mistakes tied to IRMAA and tax exposure. You'll also uncover strategies to support your spouse, stretch your retirement savings, and preserve more for the next generation. If you're a high-earning pre-retiree aiming to retire with confidence, this is your next smart move.
Get Your Copy of The Social Security Timing Checklist
Use your checklist as a tool to self-assess and reflect. Fill out the short form to access your free copy.
Who Is This Checklist For
This resource is ideal if:
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You’re within 5–15 years of retirement
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You’re unsure whether to file at 62, FRA, or wait until 70, and want help thinking it through
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You want to coordinate Social Security with your IRAs, Medicare, or a spouse’s benefits
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You’re not sure what questions to ask, but you know you don’t want surprises later
"The biggest threat to your Social Security benefits isn’t when you file, it’s how your filing triggers avoidable taxes."
Charles Culver, Owner of Martello Retirement & Wealth