We help baby boomers who are closing in on retirement decide when to apply for Social Security. Applying as soon as you are eligible at 62 can be a costly mistake. Recent law changes have made it even more important to understand the nuances of the law. Married couples who coordinate their Social Security benefits can maximize their lifetime income. Divorcees, widows and widowers have options they may not be aware of as well. When you understand the rules, you can make the best decisions. We can lead you through the decision points, run the numbers, and see how your options play out.