Cracking the Social Security Code

Rey Cruz breaks down one of the costliest retirement mistakes Americans make: claiming Social Security at the wrong time. Rey explains how full retirement age has shifted and why claiming early can cut your benefits. He also covers income-planning strategies that can help ensure your Social Security decision works for you and your family.Original Air Date: 08/16 & 08/23 2026. Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims-paying abilities of the issuing carrier. This show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation. Our firm is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the US Government or any governmental agency. The information and opinions contained herein provided by the third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by our firm. This show is a paid placement.